Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regional particularities and various historical and cultural backgrounds should be taken into consideration, Solemnly proclaims the following United Nations Declaration on the Rights of Indigenous Peoples as a standard of achievement to be pursued in a spirit of partnership and mutual respect:
Article 21 1. Indigenous peoples have the right, without discrimination, to the improvement of their economic and social conditions, including, inter alia, in the areas of education, employment, vocational training and retraining, housing, sanitation, health and social security. 2. States shall take effective measures and, where appropriate, special measures to ensure continuing improvement of their economic and social conditions. Particular attention shall be paid to the rights and special needs of indigenous elders, women, youth, children and persons with disabilities.
Article 23 Indigenous peoples have the right to determine and develop priorities and strategies for exercising their right to development. In particular, indigenous peoples have the right to be actively involved in developing and determining health, housing and other economic and social programmes affecting them and, as far as possible, to administer such programmes through their own institutions.
Article 25 Indigenous peoples have the right to maintain and strengthen their distinctive spiritual relationship with their traditionally owned or otherwise occupied and used lands, territories, waters and coastal seas and other resources and to uphold their responsibilities to future generations in this regard.
Article 26 1. Indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired. 2. Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess by reason of traditional ownership or other traditional occupation or use, as well as those which they have otherwise acquired. 3. States shall give legal recognition and protection to these lands, territories and resources. Such recognition shall be conducted with due respect to the customs, traditions and land tenure systems of the indigenous peoples concerned.

published:25 Feb 2018

views:16374

Becky's Guide To Buying Land, get the eBook here: https://goo.gl/E54N13 One way to buy property when you have no money…you're poor and you have no credit. And you feel like it’s a hopeless situation. Well I’m here to tell you it’s not. I know because this is exactly what I did, and now I’m mortgage free.
In this homesteading video Becky explains step by step how to buy land if you're poor and have no money and no credit or bad credit.

published:10 Jan 2016

views:3151687

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vitally important. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Related links:
- Introduction to house price surveys
http://moneyweek.com/videos/introduction-to-house-price-surveys-10107/
- Why you need an Isa
http://moneyweek.com/videos/why-you-need-an-isa-10616/
- How to cut your tax bill
http://moneyweek.com/videos/how-to-cut-your-tax-bill/
- A beginner's guide to pensions
http://moneyweek.com/videos/a-beginners-guide-to-pensions-60900/
MoneyWeek videos are designed to help you become a better investor, and to give you a better understanding of the markets. They’re aimed at both beginners and more experienced investors.
In all our videos we explain things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter.
We’ve already made over 200 financial videos and we add more each week. You can see the full archive here at MoneyWeek videos: http://moneyweek.com/video-tutorial/

published:21 Sep 2012

views:288457

BeSmartee is The FirstDigitalMortgageMarketplace.
Mortgage customers can now search, apply for, and close their mortgage loans entirely online in a fast, easy and transparent way without ever having to call or visit a lenders office if they so choose.
We've empowered mortgage customers with the same tools that lenders use.
Visit BeSmartee at:
www.BeSmartee.com
info@besmartee.com

published:02 Nov 2015

views:5182

http://www.ontarioconstructionloans.ca For property owners or developers seeking residential subdivision development loans and mortgages, the first step is matching up the stage in your project with a financing source that fits that stage.
For instance, lenders that will finance land acquisition are not necessarily the same lenders that will provide you with the best construction financing options for vertical construction or site development work.
Regardless of the stage of subdivision development you're at, we likely have commercial property financing solutions via first and second mortgage funding options.
As mortgage brokers, one of the keys we find when working with developer clients is the need to coordinate all their funding requirements through out the life cycle of the project, which can take many years to complete and require several different types of construction and development financing a long the way.
The key to making it all work at times is the tight coordination of cash flow through out which also requires tight alignment of one financing event to another which is best coordinated through one construction mortgage broker versus risking the gaps that can result from a piecemeal type approach.
There are times when funds can be required before you even qualify for the next step of conventional construction financing. In these cases, the equity in the property may be able to be leveraged in different ways to create additional capital which will allow the project to continue on to the next milestone, and next project refinancing opportunity.
Regardless of where you're at with your subdivision development project, or what type and amount of funding you're looking for, I suggest that you give me a call at 416 464 4113 for a free assessment of your construction and development funding options.
All initial assessments are free and are designed to provide you with the most relevant options available to you as quickly as possible.
Even if you're still in the planning stage, we welcome the opportunity to go over your project with you and map out different stages for funding the subdivision development over time.

published:15 Oct 2013

views:2635

If you'd like to support this project:
https://www.patreon.com/SlowerFuture
Some tools and things I use can be bought here and it supports Slower:
https://www.amazon.com/shop/slowerfuture
You can check out my AmazonWishlist for the property project here as well:
http://a.co/asVHKMh
Follow @slowerfuture on other socials. (18+)
Have a great day!

published:13 Mar 2018

views:3741

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

http://www.ratehub.ca - If you want to get a mortgage in Canada, you first need to qualify. True North MortgageBrokerJames Laird explains what lenders look at to qualify homebuyers.
0:31 Factor 1: Credit Score
0:57 Factor 2: Down Payment
2:58 Factor 3: DebtService Ratios
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard.
WATCH THE OTHER MORTGAGE MATH VIDEOS:
1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0
2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0
3. The RRSPHome Buyers' Plan -
http://youtu.be/f5iz26AflGI
4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w

published:18 Dec 2012

views:33907

http://bestcreditrepaircompanys.com/
Owning a home is a classic American dream. Unfortunately, in today's society consumers have become complacent with 30-year mortgages and paying hundreds of thousands of dollars in interest. We've complied tips from 5 industry experts on why it's important to pay a mortgage off quickly and how to can pay off a mortgage quickly. Follow these steps and you'll be ahead of 98% of the population.

Sign up for my FREEPassive Income Masterclasshttp://www.mikewolfmastery.co/masterclass if you want to learn my unique system to creating true passive income with real estate, reduce your financial risks, and remove the day-to-day hassles of being a landlord - Can You Pay Off A MortgageEarly - How To Get Out Of A Mortgage WithoutPenalty
Have you ever asked if you can pay off your mortgage early to lower down your IRD?
A friend of mine sent me a message yesterday saying that one of the big Canadian banks is charging him this huge interest rate differential or IRD. Now, for those you don't know what IRD is, basically the bank when you take out a term in Canada usually it ranges from 1 to 5 years, it can be longer, it doesn't matter, the bottom line is that when you're agreeing to borrow the money for certain amounts of time, when you pay it back early the bank doesn't like that unless you happen to have a really low-interest rate in which case they can land it out for more money so what they do to make up for this is, they charge you the difference in interest that they would have made had you kept that mortgage going usually they get theirs two potential ways they charge you when you get out of a mortgage early. One is the IRD which I just spoke about or the pale penalty which is usually three months worth of payments and so they'll do whichever is higher now what's happening with my friend is that they're not just charging him an interest rate differential based on the rate that he's got. He's got a freat rate which is 2.9%, but instead they're charging based on what the posted rate was at the time that he took out the mortgage which was around five and a quarter percent so they're charging him for the next 2 years as if he had borrowed the money at five and a quarter percent, anyway, it's a huge sum of money so I'm gonna teach you some ways to get around this IRD and totally eliminate it and then if that doesn't work I'm going to give you some options how you can reduce it so the first way to get around it is, One, is to do what's called porting the mortgage that means you're going to take that mortgage you're going to move it to another property, it might be a property that you already own or it could be a property that you want to purchase now, I personally, not a really big fan of buying real estate in Canada at the moment, I don't thinkthat's a very great idea so if you don't already own a piece of property I definitely wouldn't go buy another property just to save on the interest rate differential, it's not worth it unless you found a really smoking deal. The number 2 option is your new buyer, if they take over your existing mortgage now they're normally going to have to qualify, this is called an assumption of mortgages, they assume your existing mortgage you will avoid the pale penalty in most cases so if because your interest rate is really low, it may be advantageous for them to take that mortgage over as opposed to getting a new one if they can get an even lower rate through their bank the other thing you could do is potentially offer them a chunk of cash obviously less than what you pay the bank give them a bunch of cash or some cash to make it more attractive for them to take over your mortgage and once again help you save on your interest rate differential so those are a couple of the ways you can totally eliminate this IRD, unfortuantely,that doesn't always work and so some of your options to minimize it are one, most of the banks have a prepayment option where you can pay up to 20% per year, so what you want to do is when it gets to the lawyer's office when the deals are ready to close you want the lawyer to send 2 checks, the first check is going to be for that 20% and sometimes you can do the original principal balance not just the balance today but the original balance so you can have them pay 20% of that original balance and that amount won't be subject to the IRD then he'll send a second check for the rest of the money owing and you'll still have unfortunately a big chunk to pay but it'll be a lot less than it would have been so that's nice, the other option is you can make typically the banks like you to make double payments every month so on top of that you could also make a double payment for as many months as you can until the deal closes,there's people like me that will gladly lend you the money, obviously there would be some interest and what not, but you could potentially pay off make two 20% payments on your mortgage and those are a couple of the ways that you can really reduce that IRD take a little bit bite out of it.
https://www.youtube.com/watch?v=VwkkPfNoDr4
https://www.youtube.com/watch?v=4GonTct2WMk
https://www.youtube.com/user/mikewolfmastery
http://mikewolfmastery.com

Mortgage loan

A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to raise funds to buy real estate; or by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's property. This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a "Law French" term used by English lawyers in the Middle Ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.
Mortgage can also be described as "a borrower giving consideration in the form of a collateral for a benefit (loan).

Mortgage borrowers can be individuals mortgaging their home or they can be businesses mortgaging commercial property (for example, their own business premises, residential property let to tenants or an investment portfolio). The lender will typically be a financial institution, such as a bank, credit union or building society, depending on the country concerned, and the loan arrangements can be made either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. The lender's rights over the secured property take priority over the borrower's other creditors which means that if the borrower becomes bankrupt or insolvent, the other creditors will only be repaid the debts owed to them from a sale of the secured property if the mortgage lender is repaid in full first.

Land

Land, sometimes referred to as dry land, is the solid surface of the Earth that is not permanently covered by water. The vast majority of human activity occurs in land areas that support agriculture, habitat, and various natural resources.

Areas where land meets large bodies of water are called coastal zones. The division between land and water is a fundamental concept to humans. The demarcation between land and water can vary by local jurisdiction and other factors. A maritime boundary is one example of a political demarcation. A variety of natural boundaries exist to help clearly define where water meets land. Solid rock landforms are easier to demarcate than marshy or swampy boundaries, where there is no clear point at which the land ends and a body of water has begun. Demarcation can further vary due to tides and weather.

Indigenous peoples

Indigenous peoples are those groups protected in international or national legislation as having a set of specific rights based on their historical ties to a particular territory, their cultural and historical distinctiveness from other populations. The legislation is based on the conclusion that certain indigenous people are vulnerable to exploitation, marginalization and oppression by nation states formed from colonising populations or by politically dominant, different ethnic groups.

A special set of political rights in accordance with international law have been set forth by international organizations such as the United Nations, the International Labour Organization and the World Bank. The United Nations has issued a Declaration on the Rights of Indigenous Peoples to guide member-state national policies to collective rights of indigenous people—such as culture, identity, language, and access to employment, health, education, and natural resources. Estimates put the total population of indigenous peoples from 220 million to 350 million.

Owning land without a Mortgage - Allodial Title

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regional particularities and various historical and cultural backgrounds should be taken into consideration, Solemnly proclaims the following United Nations Declaration on the Rights of Indigenous Peoples as a standard of achievement to be pursued in a spirit of partnership and mutual respect:
Article 21 1. Indigenous peoples have the right, without discrimination, to the improvement of their economic and social conditions, including, inter alia, in the areas of education, employment, vocational training and retraining, housing, sanitation, health and social security. 2. States shall take effective measures and, where appropriate, special measures to ensure continuing improvement of their economic and social conditions. Particular attention shall be paid to the rights and special needs of indigenous elders, women, youth, children and persons with disabilities.
Article 23 Indigenous peoples have the right to determine and develop priorities and strategies for exercising their right to development. In particular, indigenous peoples have the right to be actively involved in developing and determining health, housing and other economic and social programmes affecting them and, as far as possible, to administer such programmes through their own institutions.
Article 25 Indigenous peoples have the right to maintain and strengthen their distinctive spiritual relationship with their traditionally owned or otherwise occupied and used lands, territories, waters and coastal seas and other resources and to uphold their responsibilities to future generations in this regard.
Article 26 1. Indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired. 2. Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess by reason of traditional ownership or other traditional occupation or use, as well as those which they have otherwise acquired. 3. States shall give legal recognition and protection to these lands, territories and resources. Such recognition shall be conducted with due respect to the customs, traditions and land tenure systems of the indigenous peoples concerned.

9:47

One Way Poor People Can Buy Land With No Money

One Way Poor People Can Buy Land With No Money

One Way Poor People Can Buy Land With No Money

Becky's Guide To Buying Land, get the eBook here: https://goo.gl/E54N13 One way to buy property when you have no money…you're poor and you have no credit. And you feel like it’s a hopeless situation. Well I’m here to tell you it’s not. I know because this is exactly what I did, and now I’m mortgage free.
In this homesteading video Becky explains step by step how to buy land if you're poor and have no money and no credit or bad credit.

13:50

Beginners' guide to mortgages - MoneyWeek investment tutorials

Beginners' guide to mortgages - MoneyWeek investment tutorials

Beginners' guide to mortgages - MoneyWeek investment tutorials

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vitally important. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Related links:
- Introduction to house price surveys
http://moneyweek.com/videos/introduction-to-house-price-surveys-10107/
- Why you need an Isa
http://moneyweek.com/videos/why-you-need-an-isa-10616/
- How to cut your tax bill
http://moneyweek.com/videos/how-to-cut-your-tax-bill/
- A beginner's guide to pensions
http://moneyweek.com/videos/a-beginners-guide-to-pensions-60900/
MoneyWeek videos are designed to help you become a better investor, and to give you a better understanding of the markets. They’re aimed at both beginners and more experienced investors.
In all our videos we explain things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter.
We’ve already made over 200 financial videos and we add more each week. You can see the full archive here at MoneyWeek videos: http://moneyweek.com/video-tutorial/

1:14

BeSmartee.com - The First Digital Mortgage Marketplace

BeSmartee.com - The First Digital Mortgage Marketplace

BeSmartee.com - The First Digital Mortgage Marketplace

BeSmartee is The FirstDigitalMortgageMarketplace.
Mortgage customers can now search, apply for, and close their mortgage loans entirely online in a fast, easy and transparent way without ever having to call or visit a lenders office if they so choose.
We've empowered mortgage customers with the same tools that lenders use.
Visit BeSmartee at:
www.BeSmartee.com
info@besmartee.com

http://www.ontarioconstructionloans.ca For property owners or developers seeking residential subdivision development loans and mortgages, the first step is matching up the stage in your project with a financing source that fits that stage.
For instance, lenders that will finance land acquisition are not necessarily the same lenders that will provide you with the best construction financing options for vertical construction or site development work.
Regardless of the stage of subdivision development you're at, we likely have commercial property financing solutions via first and second mortgage funding options.
As mortgage brokers, one of the keys we find when working with developer clients is the need to coordinate all their funding requirements through out the life cycle of the project, which can take many years to complete and require several different types of construction and development financing a long the way.
The key to making it all work at times is the tight coordination of cash flow through out which also requires tight alignment of one financing event to another which is best coordinated through one construction mortgage broker versus risking the gaps that can result from a piecemeal type approach.
There are times when funds can be required before you even qualify for the next step of conventional construction financing. In these cases, the equity in the property may be able to be leveraged in different ways to create additional capital which will allow the project to continue on to the next milestone, and next project refinancing opportunity.
Regardless of where you're at with your subdivision development project, or what type and amount of funding you're looking for, I suggest that you give me a call at 416 464 4113 for a free assessment of your construction and development funding options.
All initial assessments are free and are designed to provide you with the most relevant options available to you as quickly as possible.
Even if you're still in the planning stage, we welcome the opportunity to go over your project with you and map out different stages for funding the subdivision development over time.

3:54

I bought land - MORTGAGE FREE or DIE #1

I bought land - MORTGAGE FREE or DIE #1

I bought land - MORTGAGE FREE or DIE #1

If you'd like to support this project:
https://www.patreon.com/SlowerFuture
Some tools and things I use can be bought here and it supports Slower:
https://www.amazon.com/shop/slowerfuture
You can check out my AmazonWishlist for the property project here as well:
http://a.co/asVHKMh
Follow @slowerfuture on other socials. (18+)
Have a great day!

21:27

Two Ways Poor People Can Get Mortgage Free with No Money

Two Ways Poor People Can Get Mortgage Free with No Money

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

How to Get a Mortgage in Canada - Mortgage Math #1 with Ratehub.ca

http://www.ratehub.ca - If you want to get a mortgage in Canada, you first need to qualify. True North MortgageBrokerJames Laird explains what lenders look at to qualify homebuyers.
0:31 Factor 1: Credit Score
0:57 Factor 2: Down Payment
2:58 Factor 3: DebtService Ratios
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard.
WATCH THE OTHER MORTGAGE MATH VIDEOS:
1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0
2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0
3. The RRSPHome Buyers' Plan -
http://youtu.be/f5iz26AflGI
4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w

4:43

How to Pay Off a Mortgage Quickly

How to Pay Off a Mortgage Quickly

How to Pay Off a Mortgage Quickly

http://bestcreditrepaircompanys.com/
Owning a home is a classic American dream. Unfortunately, in today's society consumers have become complacent with 30-year mortgages and paying hundreds of thousands of dollars in interest. We've complied tips from 5 industry experts on why it's important to pay a mortgage off quickly and how to can pay off a mortgage quickly. Follow these steps and you'll be ahead of 98% of the population.

Can You Pay Off A Mortgage Early - How To Get Out Of A Mortgage Without Penalty

Can You Pay Off A Mortgage Early - How To Get Out Of A Mortgage Without Penalty

Can You Pay Off A Mortgage Early - How To Get Out Of A Mortgage Without Penalty

Sign up for my FREEPassive Income Masterclasshttp://www.mikewolfmastery.co/masterclass if you want to learn my unique system to creating true passive income with real estate, reduce your financial risks, and remove the day-to-day hassles of being a landlord - Can You Pay Off A MortgageEarly - How To Get Out Of A Mortgage WithoutPenalty
Have you ever asked if you can pay off your mortgage early to lower down your IRD?
A friend of mine sent me a message yesterday saying that one of the big Canadian banks is charging him this huge interest rate differential or IRD. Now, for those you don't know what IRD is, basically the bank when you take out a term in Canada usually it ranges from 1 to 5 years, it can be longer, it doesn't matter, the bottom line is that when you're agreeing to borrow the money for certain amounts of time, when you pay it back early the bank doesn't like that unless you happen to have a really low-interest rate in which case they can land it out for more money so what they do to make up for this is, they charge you the difference in interest that they would have made had you kept that mortgage going usually they get theirs two potential ways they charge you when you get out of a mortgage early. One is the IRD which I just spoke about or the pale penalty which is usually three months worth of payments and so they'll do whichever is higher now what's happening with my friend is that they're not just charging him an interest rate differential based on the rate that he's got. He's got a freat rate which is 2.9%, but instead they're charging based on what the posted rate was at the time that he took out the mortgage which was around five and a quarter percent so they're charging him for the next 2 years as if he had borrowed the money at five and a quarter percent, anyway, it's a huge sum of money so I'm gonna teach you some ways to get around this IRD and totally eliminate it and then if that doesn't work I'm going to give you some options how you can reduce it so the first way to get around it is, One, is to do what's called porting the mortgage that means you're going to take that mortgage you're going to move it to another property, it might be a property that you already own or it could be a property that you want to purchase now, I personally, not a really big fan of buying real estate in Canada at the moment, I don't thinkthat's a very great idea so if you don't already own a piece of property I definitely wouldn't go buy another property just to save on the interest rate differential, it's not worth it unless you found a really smoking deal. The number 2 option is your new buyer, if they take over your existing mortgage now they're normally going to have to qualify, this is called an assumption of mortgages, they assume your existing mortgage you will avoid the pale penalty in most cases so if because your interest rate is really low, it may be advantageous for them to take that mortgage over as opposed to getting a new one if they can get an even lower rate through their bank the other thing you could do is potentially offer them a chunk of cash obviously less than what you pay the bank give them a bunch of cash or some cash to make it more attractive for them to take over your mortgage and once again help you save on your interest rate differential so those are a couple of the ways you can totally eliminate this IRD, unfortuantely,that doesn't always work and so some of your options to minimize it are one, most of the banks have a prepayment option where you can pay up to 20% per year, so what you want to do is when it gets to the lawyer's office when the deals are ready to close you want the lawyer to send 2 checks, the first check is going to be for that 20% and sometimes you can do the original principal balance not just the balance today but the original balance so you can have them pay 20% of that original balance and that amount won't be subject to the IRD then he'll send a second check for the rest of the money owing and you'll still have unfortunately a big chunk to pay but it'll be a lot less than it would have been so that's nice, the other option is you can make typically the banks like you to make double payments every month so on top of that you could also make a double payment for as many months as you can until the deal closes,there's people like me that will gladly lend you the money, obviously there would be some interest and what not, but you could potentially pay off make two 20% payments on your mortgage and those are a couple of the ways that you can really reduce that IRD take a little bit bite out of it.
https://www.youtube.com/watch?v=VwkkPfNoDr4
https://www.youtube.com/watch?v=4GonTct2WMk
https://www.youtube.com/user/mikewolfmastery
http://mikewolfmastery.com

6:33

Mortgage Free Living: Paying off your mortgage early.

Mortgage Free Living: Paying off your mortgage early.

Mortgage Free Living: Paying off your mortgage early.

http://beckyshomestead.com/mortgage-free-living
Becky talks about mortgage free living and why it's worth the effort Paying off your mortgage early. When you don't have a mortgage you have more time to do what you want and you have less stress. Your goal should be to lower your bills and your overhead as much as possible so you only have to work 30 hours per week.

6:24

How to Get the Best Mortgage Interest Rate

How to Get the Best Mortgage Interest Rate

How to Get the Best Mortgage Interest Rate

http://LeahCoss.ca
When you walk into a bank and you ask them to give you something. They're giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK.
There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today.
Now how does this affect you and why can't you always get the best rate? Well, each product is different. I've mentioned this in many videos. Lexus and Toyota do not target the same people like wise banks do not target the same people either.
You just do not know that because they all look like they target everybody. Right? We're looking for you know smiley, happy people in our commercials to come and get their mortgages from us, not the case.
Here are some examples of situations that will effect whether you can get the best rate or not. First of all property. Where is the property? Is it somewhere rural, is it out in the boonies, is it in the city? Well for example, credit unions are great examples of this. Credit Unions will only fund properties that are within a location of one of their branches. Did you know that?
Not a lot of people do. So therefore location matters to them. And if you get a certain property in a certain area, they will not fund it. Likewise, with other banks going into other provinces or things like that.
They also do not just like land; many places do not want land, or places with homes that are deteriorating or things with more than two piping or previous row operations. All these things I've mentioned in other videos before. Each bank targets people differently and they won't do certain properties. So property is one of the things.
Secondly, credit score. What is your credit score. If your credit score is over 680 great. I can probably put with any lender based on that score. Is it under that score 680. well is it between 650 and 680? I can still go to most lenders. What if it is below 650, what if it is below 500? These are different levels, different tiers and again if a certain rate of 5% says you must have a 680B or above and you have less than 680. You now do not qualify for that best rate.
Kind of, catching on how this works? Again, self employed stated income programs not every bank does those. New immigrant programs you know each bank has their own niche. So, you are not always going to get the best rate depending on your situation.
So if you come to me, how it is I am going to get you the best rate? I am not; I am going to get you your best rate based on your situation. So what I will do I will go, "OK, what is the situation, what is the property, oh it is in the city. OK, well these credit unions are out, these lenders do not like it over there or whatever the case maybe."
Now I am left with this pile. From that pile, I am going to go, "Well I am using a stated income product. This person is self employed does not document a lot of income. OK well, that's more than half. Great now I'm left with this pile." Now I will look at this pile of lenders and I say who has the best rate? And from those lenders I place you with one of those.
There is things about that product you need to know about it. First of all, is it a fixed or variable? If it is fixed how long is it fixed? If it is variable how long is the variable? You probably did not know variable comes in terms did you.
Another thing to ask is what is the prepayment options? If you win the lottery there are some mortgages out there mostly the rates that are the lowest. You have no prepayment options. You cannot pay down any principle at any point. There are certain lenders out there that make a lot of money on those programs. OK?
So, prepayment options are something to ask. Is it transferable? How is there penalty calculated? These are things you need to ask because they will be important to you when it comes time to buy a new home or to refinance.

20:23

How to Get The Best Mortgage Rates & Other Advice For First Timers

How to Get The Best Mortgage Rates & Other Advice For First Timers

How to Get The Best Mortgage Rates & Other Advice For First Timers

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got the best mortgage rates for themselves, and how the lowest rate isn’t always the best rate. The best home loans are the ones you can pay off in 10 years. If you follow the advice in this video you’ll be able to pay your mortgage off in 10 years and start living mortgage free. When you apply for a mortgage the banks are ready to take advantage of you, with the tips and tricks you’ll learn in this video you’ll be empowered to get the mortgage you deserve.
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
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Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
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7:50

3 Fatal Mistakes in Buying Land

3 Fatal Mistakes in Buying Land

3 Fatal Mistakes in Buying Land

http://www.3fatallandbuyingmistakes.com Hi, Mark the LandGeek here. Let's talk about those 3 fatal mistakes that I see the average real estate investor making every single day.
First big mistake -- you've got to call the county recorder and confirm that that seller owns the property. So what do you do?
First of all, you find out exactly what county that property is located in. Then you quickly go on at naco.org, and it's www.naco.org. That lists all the counties in the country. Do a quick search. You can do with the state, you can do the county -- whatever you want to do, but make sure you go there.
Then all you need to do is if you don't want to talk on the phone, you can email the recorder and simply ask who owns this property at this legal description. They will email you back where they'll tell you it's FrontierEquity Properties LLC.
When was it recorded? And that gives you a big clue as to how long did that seller own that property. Are they buying it for long-term? Are they flipping it? What's going on with that property? It kind of gives you a little bit more in the story anyways.
So now you've got that information. Again, email our seller now and say, "Hey, can you fax me or email me a copy of your recorded deed for that property?" When they do it, we get to go, to take some time, a little sketchy. If they don't do it at all, don't buy the property.
What I have seen is people go online and they can just easily copy now whatever ad is online and say, "Hey, that's my property". They can use a fake PayPal account or a fake Escrow account and take people's money. The typical term for this is a 'phishing' scam. That is the number one fatal mistake that I see people make. You've got to confirm that that seller owns that property; otherwise, who knows what you are getting into.
Now there are situations where I have actually sold property on an auction and that's a whole other ballgame because I am just controlling that. If that's the case, then you need to have a copy of the auction agreement to see that they are controlling that property. Otherwise, look out - not a good thing at all!
All right, second most fatal mistake I see the average real estate investor making online is they get really excited about the property. They are going to build their dream home there or they are going to put their RV on the property. They are just going to camp out and hang out six months out of the year, or they are going to raise sheep, they are going to do something cool on that property.
But they don't confirm with the CountyPlanning and Zoning Commission if what their use for that property is allowed. And so they will invest thousands of dollars, ultimately to be disappointed, and 99.9% of the sellers out there, they don't guarantee that property.
You are stuck with it and now whatever dream you had to do on that property is wasted, and then you've got to go on and try to resell that property and so whole hassle and just a big bar of disappointment.
So, what do you do? Like we did with the first mistake, we've got to contact the County Planning & Zoning Commission. We are going to go back to our website www.naco.org. We are going to find our county and we are going to call or email planning and zoning.
We are going to give them the legal description of that property along with the assessor's parcel number and we are just going to ask the questions -- what restrictions are on this property? What can I do on this property? Can I build a house? Can I raise sheep? Can I camp? Can I put my RV? All these things are very important when trying to determine that your use for that property is allowed. So it's very, very important that you do that.
The third most common fatal mistake I see buyers making every day and being really, really disappointing with their purchase, is not calling the County Treasurer to confirm that the taxes are paid current. This one is really something that I have seen time and time again, bite people on the tush.
So it's really important that again, we are going to go back to our site www.naco.org -- N-A-C-O, we are going to find our County Treasurer, then we are going to shoot them an email -- again, with the legal description and assessor's parcel number and that information you should be able to get from your seller very easily and it should be on the ad. If it's not, you need to email your seller and get that information.
And then you are simply going to confirm the taxes are paid current. If they are not paid current, you need to email your seller and ask them, "Who is responsible for these back taxes? I assume you are." If they say, "Oh, you are responsible for those back taxes", then you've got a decision to make. Well, how much are they if their owner is going to pass on that deal? If they are reasonable and you are getting at a good price, well, maybe pay the back taxes -- big deal.
http://www.3FatalLandBuyingMistakes.com

4:22

BIREM - Obtaining A Mortgage In Hawaii-Your First Step

BIREM - Obtaining A Mortgage In Hawaii-Your First Step

BIREM - Obtaining A Mortgage In Hawaii-Your First Step

Getting a Hawaii loan is different than on the mainland. We have lava zones, catchment, leasehold and more. We give you the low down on why choosing a local mortgage is better. Mahalo JamaicaCanas, Trusted Home Loans for your expertise!

3:52

The RRSP Home Buyers' Plan - Mortgage Math #3 with Ratehub.ca

The RRSP Home Buyers' Plan - Mortgage Math #3 with Ratehub.ca

The RRSP Home Buyers' Plan - Mortgage Math #3 with Ratehub.ca

See today's best mortgage rates from the BigBanks and brokers at http://www.ratehub.ca
The RRSPHome Buyers' Plan (HBP) helps first-time homebuyers use their RRSPs to buy a home in Canada. Toronto-based realtor Lauren Haw shows us how.
0:31 Eligibility for the RRSP Home Buyers' Plan
1:39 RRSP Repayments
2:23 Underpayment: Paying Less Than Your Minimum
2:53 Overpayment: Paying More Than Your Minimum
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard.
WATCH THE OTHER MORTGAGE MATH VIDEOS:
1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0
2. How to Calculate DebtService Ratios - http://youtu.be/wz3qSoBGjp0
3. The RRSP Home Buyers' Plan -
http://youtu.be/f5iz26AflGI
4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w

12:58

Mobile Home Trailer House Alternative to 30 year Mortgage

Mobile Home Trailer House Alternative to 30 year Mortgage

Mobile Home Trailer House Alternative to 30 year Mortgage

Are you sick and tired of paying high mortgage payments and expensive property taxes. Then watch this video and pay close attention to the instructions and advice that I give you in this video. From tiny home living and living on land. Having your typical Suburban lifestyle is not always the answer. Thanks for watching please comment rate and subscribe for future videos on the WalkingJourney.
List of my videos that YouTube as unlisted Link:
https://youtu.be/3MI8AkRqGA0
https://youtu.be/NB3Os940AA4
https://youtu.be/H0Z7-Cc7tGc
https://youtu.be/wU08eoG0NJI
https://youtu.be/MCgqQRQ72H0
https://youtu.be/-I1xNQPWKk
https://youtu.be/m4p8lBUS1Rg
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4:17

How Much Should My House Payment Be? Mortgage Tips #3

How Much Should My House Payment Be? Mortgage Tips #3

How Much Should My House Payment Be? Mortgage Tips #3

Mortgage loan officer Mark OelSchlager talks through some critical tips for people interested in getting a home loan. This episode addresses how to land on an affordable monthly home mortgage payment. http://www.cascademortgage.com/

Owning land without a Mortgage - Allodial Title

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regiona...

published: 25 Feb 2018

One Way Poor People Can Buy Land With No Money

Becky's Guide To Buying Land, get the eBook here: https://goo.gl/E54N13 One way to buy property when you have no money…you're poor and you have no credit. And you feel like it’s a hopeless situation. Well I’m here to tell you it’s not. I know because this is exactly what I did, and now I’m mortgage free.
In this homesteading video Becky explains step by step how to buy land if you're poor and have no money and no credit or bad credit.

published: 10 Jan 2016

Beginners' guide to mortgages - MoneyWeek investment tutorials

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vitally important. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Related links:
- Introduction to house price surveys
http://moneyweek.com/videos/introduction-to-house-price-surveys-10107/
- Why you need an Isa
http://moneyweek.com/videos/why-you-need-an-isa-10616/
- How to cut your tax bill
http://moneyweek.com/videos/how-to-cut-your-tax-bill/
- A beginner's guide to pensions
http://moneyweek.com/videos/a-beginners-guide-to-pensions-60900/
MoneyWeek videos are designed to help you become a better investor, and to give you a better understanding of the markets. They’re aimed at both beginners and more experienced investors.
In all our videos...

published: 21 Sep 2012

BeSmartee.com - The First Digital Mortgage Marketplace

BeSmartee is The FirstDigitalMortgageMarketplace.
Mortgage customers can now search, apply for, and close their mortgage loans entirely online in a fast, easy and transparent way without ever having to call or visit a lenders office if they so choose.
We've empowered mortgage customers with the same tools that lenders use.
Visit BeSmartee at:
www.BeSmartee.com
info@besmartee.com

http://www.ontarioconstructionloans.ca For property owners or developers seeking residential subdivision development loans and mortgages, the first step is matching up the stage in your project with a financing source that fits that stage.
For instance, lenders that will finance land acquisition are not necessarily the same lenders that will provide you with the best construction financing options for vertical construction or site development work.
Regardless of the stage of subdivision development you're at, we likely have commercial property financing solutions via first and second mortgage funding options.
As mortgage brokers, one of the keys we find when working with developer clients is the need to coordinate all their funding requirements through out the life cycle of the project...

published: 15 Oct 2013

I bought land - MORTGAGE FREE or DIE #1

If you'd like to support this project:
https://www.patreon.com/SlowerFuture
Some tools and things I use can be bought here and it supports Slower:
https://www.amazon.com/shop/slowerfuture
You can check out my AmazonWishlist for the property project here as well:
http://a.co/asVHKMh
Follow @slowerfuture on other socials. (18+)
Have a great day!

published: 13 Mar 2018

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPOR...

How to Get a Mortgage in Canada - Mortgage Math #1 with Ratehub.ca

http://www.ratehub.ca - If you want to get a mortgage in Canada, you first need to qualify. True North MortgageBrokerJames Laird explains what lenders look at to qualify homebuyers.
0:31 Factor 1: Credit Score
0:57 Factor 2: Down Payment
2:58 Factor 3: DebtService Ratios
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven differe...

published: 18 Dec 2012

How to Pay Off a Mortgage Quickly

http://bestcreditrepaircompanys.com/
Owning a home is a classic American dream. Unfortunately, in today's society consumers have become complacent with 30-year mortgages and paying hundreds of thousands of dollars in interest. We've complied tips from 5 industry experts on why it's important to pay a mortgage off quickly and how to can pay off a mortgage quickly. Follow these steps and you'll be ahead of 98% of the population.

published: 07 Mar 2013

Mortgage

http://www.lendinguniverse.com you can find Mortgage , and hard money lenders and the best interest rate refi all types of real estate Loan and all of your Refinancing needs at http://www.lendinguniverse.com/lenders.asp connect with residential commercial and land lenders and brokers also Mobile Home, Construction Loan, Notary, Refinance and best interest rate, bad credit mortgage solution. Complete our simple form and we will deliver you fast, accurate multiple results. We are neither a lenders nor a broker we give borrower tools to find and track all the negotiations. Lenders compete- You decide.
Here is partial list of Calculators the site does a lot more: mortgage rates fed interest rate current mortgage rates federal interest rate historical libor interest rates interest r...

published: 12 Apr 2009

Can You Pay Off A Mortgage Early - How To Get Out Of A Mortgage Without Penalty

Sign up for my FREEPassive Income Masterclasshttp://www.mikewolfmastery.co/masterclass if you want to learn my unique system to creating true passive income with real estate, reduce your financial risks, and remove the day-to-day hassles of being a landlord - Can You Pay Off A MortgageEarly - How To Get Out Of A Mortgage WithoutPenalty
Have you ever asked if you can pay off your mortgage early to lower down your IRD?
A friend of mine sent me a message yesterday saying that one of the big Canadian banks is charging him this huge interest rate differential or IRD. Now, for those you don't know what IRD is, basically the bank when you take out a term in Canada usually it ranges from 1 to 5 years, it can be longer, it doesn't matter, the bottom line is that when you're agreeing to borro...

published: 01 Mar 2018

Mortgage Free Living: Paying off your mortgage early.

http://beckyshomestead.com/mortgage-free-living
Becky talks about mortgage free living and why it's worth the effort Paying off your mortgage early. When you don't have a mortgage you have more time to do what you want and you have less stress. Your goal should be to lower your bills and your overhead as much as possible so you only have to work 30 hours per week.

published: 11 Dec 2014

How to Get the Best Mortgage Interest Rate

http://LeahCoss.ca
When you walk into a bank and you ask them to give you something. They're giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK.
There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today.
Now how does this affect you and why can't you always get the best rate? Well, each product is different. I've me...

published: 07 Jul 2010

How to Get The Best Mortgage Rates & Other Advice For First Timers

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got the best mortgage rates for themselves, and how the lowest rate isn’t always the best rate. The best home loans are the ones you can pay off in 10 years. If you follow the advice in this video you’ll be able to pay your mortgage off in 10 years and start living mortgage free. When you apply for a mortgage the banks are ready to take advantage of you, with the tips and tricks you’ll learn in this video you’ll be empowered to get the mortgage you deserve.
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagr...

published: 27 Aug 2017

3 Fatal Mistakes in Buying Land

http://www.3fatallandbuyingmistakes.com Hi, Mark the LandGeek here. Let's talk about those 3 fatal mistakes that I see the average real estate investor making every single day.
First big mistake -- you've got to call the county recorder and confirm that that seller owns the property. So what do you do?
First of all, you find out exactly what county that property is located in. Then you quickly go on at naco.org, and it's www.naco.org. That lists all the counties in the country. Do a quick search. You can do with the state, you can do the county -- whatever you want to do, but make sure you go there.
Then all you need to do is if you don't want to talk on the phone, you can email the recorder and simply ask who owns this property at this legal description. They will email y...

published: 14 Mar 2012

BIREM - Obtaining A Mortgage In Hawaii-Your First Step

Getting a Hawaii loan is different than on the mainland. We have lava zones, catchment, leasehold and more. We give you the low down on why choosing a local mortgage is better. Mahalo JamaicaCanas, Trusted Home Loans for your expertise!

published: 24 Feb 2018

The RRSP Home Buyers' Plan - Mortgage Math #3 with Ratehub.ca

See today's best mortgage rates from the BigBanks and brokers at http://www.ratehub.ca
The RRSPHome Buyers' Plan (HBP) helps first-time homebuyers use their RRSPs to buy a home in Canada. Toronto-based realtor Lauren Haw shows us how.
0:31 Eligibility for the RRSP Home Buyers' Plan
1:39 RRSP Repayments
2:23 Underpayment: Paying Less Than Your Minimum
2:53 Overpayment: Paying More Than Your Minimum
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mort...

published: 18 Dec 2012

Mobile Home Trailer House Alternative to 30 year Mortgage

Are you sick and tired of paying high mortgage payments and expensive property taxes. Then watch this video and pay close attention to the instructions and advice that I give you in this video. From tiny home living and living on land. Having your typical Suburban lifestyle is not always the answer. Thanks for watching please comment rate and subscribe for future videos on the WalkingJourney.
List of my videos that YouTube as unlisted Link:
https://youtu.be/3MI8AkRqGA0
https://youtu.be/NB3Os940AA4
https://youtu.be/H0Z7-Cc7tGc
https://youtu.be/wU08eoG0NJI
https://youtu.be/MCgqQRQ72H0
https://youtu.be/-I1xNQPWKk
https://youtu.be/m4p8lBUS1Rg
Oakwood Homes
DamianZabavaRBI/SL# 02290
3490North Loop336EastConroe Texas 77301
Office: 936 539 5848 Cell: 936 577 0073
Fax: 936 539 5860
h...

published: 29 Sep 2016

How Much Should My House Payment Be? Mortgage Tips #3

Mortgage loan officer Mark OelSchlager talks through some critical tips for people interested in getting a home loan. This episode addresses how to land on an affordable monthly home mortgage payment. http://www.cascademortgage.com/

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regional particularities and various historical and cultural backgrounds should be taken into consideration, Solemnly proclaims the following United Nations Declaration on the Rights of Indigenous Peoples as a standard of achievement to be pursued in a spirit of partnership and mutual respect:
Article 21 1. Indigenous peoples have the right, without discrimination, to the improvement of their economic and social conditions, including, inter alia, in the areas of education, employment, vocational training and retraining, housing, sanitation, health and social security. 2. States shall take effective measures and, where appropriate, special measures to ensure continuing improvement of their economic and social conditions. Particular attention shall be paid to the rights and special needs of indigenous elders, women, youth, children and persons with disabilities.
Article 23 Indigenous peoples have the right to determine and develop priorities and strategies for exercising their right to development. In particular, indigenous peoples have the right to be actively involved in developing and determining health, housing and other economic and social programmes affecting them and, as far as possible, to administer such programmes through their own institutions.
Article 25 Indigenous peoples have the right to maintain and strengthen their distinctive spiritual relationship with their traditionally owned or otherwise occupied and used lands, territories, waters and coastal seas and other resources and to uphold their responsibilities to future generations in this regard.
Article 26 1. Indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired. 2. Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess by reason of traditional ownership or other traditional occupation or use, as well as those which they have otherwise acquired. 3. States shall give legal recognition and protection to these lands, territories and resources. Such recognition shall be conducted with due respect to the customs, traditions and land tenure systems of the indigenous peoples concerned.

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regional particularities and various historical and cultural backgrounds should be taken into consideration, Solemnly proclaims the following United Nations Declaration on the Rights of Indigenous Peoples as a standard of achievement to be pursued in a spirit of partnership and mutual respect:
Article 21 1. Indigenous peoples have the right, without discrimination, to the improvement of their economic and social conditions, including, inter alia, in the areas of education, employment, vocational training and retraining, housing, sanitation, health and social security. 2. States shall take effective measures and, where appropriate, special measures to ensure continuing improvement of their economic and social conditions. Particular attention shall be paid to the rights and special needs of indigenous elders, women, youth, children and persons with disabilities.
Article 23 Indigenous peoples have the right to determine and develop priorities and strategies for exercising their right to development. In particular, indigenous peoples have the right to be actively involved in developing and determining health, housing and other economic and social programmes affecting them and, as far as possible, to administer such programmes through their own institutions.
Article 25 Indigenous peoples have the right to maintain and strengthen their distinctive spiritual relationship with their traditionally owned or otherwise occupied and used lands, territories, waters and coastal seas and other resources and to uphold their responsibilities to future generations in this regard.
Article 26 1. Indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired. 2. Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess by reason of traditional ownership or other traditional occupation or use, as well as those which they have otherwise acquired. 3. States shall give legal recognition and protection to these lands, territories and resources. Such recognition shall be conducted with due respect to the customs, traditions and land tenure systems of the indigenous peoples concerned.

One Way Poor People Can Buy Land With No Money

Becky's Guide To Buying Land, get the eBook here: https://goo.gl/E54N13 One way to buy property when you have no money…you're poor and you have no credit. And y...

Becky's Guide To Buying Land, get the eBook here: https://goo.gl/E54N13 One way to buy property when you have no money…you're poor and you have no credit. And you feel like it’s a hopeless situation. Well I’m here to tell you it’s not. I know because this is exactly what I did, and now I’m mortgage free.
In this homesteading video Becky explains step by step how to buy land if you're poor and have no money and no credit or bad credit.

Becky's Guide To Buying Land, get the eBook here: https://goo.gl/E54N13 One way to buy property when you have no money…you're poor and you have no credit. And you feel like it’s a hopeless situation. Well I’m here to tell you it’s not. I know because this is exactly what I did, and now I’m mortgage free.
In this homesteading video Becky explains step by step how to buy land if you're poor and have no money and no credit or bad credit.

Beginners' guide to mortgages - MoneyWeek investment tutorials

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vitally important. Tim Bennett explains the basics of mortgag...

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vitally important. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Related links:
- Introduction to house price surveys
http://moneyweek.com/videos/introduction-to-house-price-surveys-10107/
- Why you need an Isa
http://moneyweek.com/videos/why-you-need-an-isa-10616/
- How to cut your tax bill
http://moneyweek.com/videos/how-to-cut-your-tax-bill/
- A beginner's guide to pensions
http://moneyweek.com/videos/a-beginners-guide-to-pensions-60900/
MoneyWeek videos are designed to help you become a better investor, and to give you a better understanding of the markets. They’re aimed at both beginners and more experienced investors.
In all our videos we explain things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter.
We’ve already made over 200 financial videos and we add more each week. You can see the full archive here at MoneyWeek videos: http://moneyweek.com/video-tutorial/

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vitally important. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Related links:
- Introduction to house price surveys
http://moneyweek.com/videos/introduction-to-house-price-surveys-10107/
- Why you need an Isa
http://moneyweek.com/videos/why-you-need-an-isa-10616/
- How to cut your tax bill
http://moneyweek.com/videos/how-to-cut-your-tax-bill/
- A beginner's guide to pensions
http://moneyweek.com/videos/a-beginners-guide-to-pensions-60900/
MoneyWeek videos are designed to help you become a better investor, and to give you a better understanding of the markets. They’re aimed at both beginners and more experienced investors.
In all our videos we explain things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter.
We’ve already made over 200 financial videos and we add more each week. You can see the full archive here at MoneyWeek videos: http://moneyweek.com/video-tutorial/

BeSmartee is The FirstDigitalMortgageMarketplace.
Mortgage customers can now search, apply for, and close their mortgage loans entirely online in a fast, easy and transparent way without ever having to call or visit a lenders office if they so choose.
We've empowered mortgage customers with the same tools that lenders use.
Visit BeSmartee at:
www.BeSmartee.com
info@besmartee.com

BeSmartee is The FirstDigitalMortgageMarketplace.
Mortgage customers can now search, apply for, and close their mortgage loans entirely online in a fast, easy and transparent way without ever having to call or visit a lenders office if they so choose.
We've empowered mortgage customers with the same tools that lenders use.
Visit BeSmartee at:
www.BeSmartee.com
info@besmartee.com

http://www.ontarioconstructionloans.ca For property owners or developers seeking residential subdivision development loans and mortgages, the first step is mat...

http://www.ontarioconstructionloans.ca For property owners or developers seeking residential subdivision development loans and mortgages, the first step is matching up the stage in your project with a financing source that fits that stage.
For instance, lenders that will finance land acquisition are not necessarily the same lenders that will provide you with the best construction financing options for vertical construction or site development work.
Regardless of the stage of subdivision development you're at, we likely have commercial property financing solutions via first and second mortgage funding options.
As mortgage brokers, one of the keys we find when working with developer clients is the need to coordinate all their funding requirements through out the life cycle of the project, which can take many years to complete and require several different types of construction and development financing a long the way.
The key to making it all work at times is the tight coordination of cash flow through out which also requires tight alignment of one financing event to another which is best coordinated through one construction mortgage broker versus risking the gaps that can result from a piecemeal type approach.
There are times when funds can be required before you even qualify for the next step of conventional construction financing. In these cases, the equity in the property may be able to be leveraged in different ways to create additional capital which will allow the project to continue on to the next milestone, and next project refinancing opportunity.
Regardless of where you're at with your subdivision development project, or what type and amount of funding you're looking for, I suggest that you give me a call at 416 464 4113 for a free assessment of your construction and development funding options.
All initial assessments are free and are designed to provide you with the most relevant options available to you as quickly as possible.
Even if you're still in the planning stage, we welcome the opportunity to go over your project with you and map out different stages for funding the subdivision development over time.

http://www.ontarioconstructionloans.ca For property owners or developers seeking residential subdivision development loans and mortgages, the first step is matching up the stage in your project with a financing source that fits that stage.
For instance, lenders that will finance land acquisition are not necessarily the same lenders that will provide you with the best construction financing options for vertical construction or site development work.
Regardless of the stage of subdivision development you're at, we likely have commercial property financing solutions via first and second mortgage funding options.
As mortgage brokers, one of the keys we find when working with developer clients is the need to coordinate all their funding requirements through out the life cycle of the project, which can take many years to complete and require several different types of construction and development financing a long the way.
The key to making it all work at times is the tight coordination of cash flow through out which also requires tight alignment of one financing event to another which is best coordinated through one construction mortgage broker versus risking the gaps that can result from a piecemeal type approach.
There are times when funds can be required before you even qualify for the next step of conventional construction financing. In these cases, the equity in the property may be able to be leveraged in different ways to create additional capital which will allow the project to continue on to the next milestone, and next project refinancing opportunity.
Regardless of where you're at with your subdivision development project, or what type and amount of funding you're looking for, I suggest that you give me a call at 416 464 4113 for a free assessment of your construction and development funding options.
All initial assessments are free and are designed to provide you with the most relevant options available to you as quickly as possible.
Even if you're still in the planning stage, we welcome the opportunity to go over your project with you and map out different stages for funding the subdivision development over time.

I bought land - MORTGAGE FREE or DIE #1

If you'd like to support this project:
https://www.patreon.com/SlowerFuture
Some tools and things I use can be bought here and it supports Slower:
https://www....

If you'd like to support this project:
https://www.patreon.com/SlowerFuture
Some tools and things I use can be bought here and it supports Slower:
https://www.amazon.com/shop/slowerfuture
You can check out my AmazonWishlist for the property project here as well:
http://a.co/asVHKMh
Follow @slowerfuture on other socials. (18+)
Have a great day!

If you'd like to support this project:
https://www.patreon.com/SlowerFuture
Some tools and things I use can be bought here and it supports Slower:
https://www.amazon.com/shop/slowerfuture
You can check out my AmazonWishlist for the property project here as well:
http://a.co/asVHKMh
Follow @slowerfuture on other socials. (18+)
Have a great day!

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about b...

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

http://www.ratehub.ca - If you want to get a mortgage in Canada, you first need to qualify. True North MortgageBrokerJames Laird explains what lenders look at to qualify homebuyers.
0:31 Factor 1: Credit Score
0:57 Factor 2: Down Payment
2:58 Factor 3: DebtService Ratios
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard.
WATCH THE OTHER MORTGAGE MATH VIDEOS:
1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0
2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0
3. The RRSPHome Buyers' Plan -
http://youtu.be/f5iz26AflGI
4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w

http://www.ratehub.ca - If you want to get a mortgage in Canada, you first need to qualify. True North MortgageBrokerJames Laird explains what lenders look at to qualify homebuyers.
0:31 Factor 1: Credit Score
0:57 Factor 2: Down Payment
2:58 Factor 3: DebtService Ratios
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard.
WATCH THE OTHER MORTGAGE MATH VIDEOS:
1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0
2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0
3. The RRSPHome Buyers' Plan -
http://youtu.be/f5iz26AflGI
4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w

http://bestcreditrepaircompanys.com/
Owning a home is a classic American dream. Unfortunately, in today's society consumers have become complacent with 30-year mortgages and paying hundreds of thousands of dollars in interest. We've complied tips from 5 industry experts on why it's important to pay a mortgage off quickly and how to can pay off a mortgage quickly. Follow these steps and you'll be ahead of 98% of the population.

http://bestcreditrepaircompanys.com/
Owning a home is a classic American dream. Unfortunately, in today's society consumers have become complacent with 30-year mortgages and paying hundreds of thousands of dollars in interest. We've complied tips from 5 industry experts on why it's important to pay a mortgage off quickly and how to can pay off a mortgage quickly. Follow these steps and you'll be ahead of 98% of the population.

Sign up for my FREEPassive Income Masterclasshttp://www.mikewolfmastery.co/masterclass if you want to learn my unique system to creating true passive income with real estate, reduce your financial risks, and remove the day-to-day hassles of being a landlord - Can You Pay Off A MortgageEarly - How To Get Out Of A Mortgage WithoutPenalty
Have you ever asked if you can pay off your mortgage early to lower down your IRD?
A friend of mine sent me a message yesterday saying that one of the big Canadian banks is charging him this huge interest rate differential or IRD. Now, for those you don't know what IRD is, basically the bank when you take out a term in Canada usually it ranges from 1 to 5 years, it can be longer, it doesn't matter, the bottom line is that when you're agreeing to borrow the money for certain amounts of time, when you pay it back early the bank doesn't like that unless you happen to have a really low-interest rate in which case they can land it out for more money so what they do to make up for this is, they charge you the difference in interest that they would have made had you kept that mortgage going usually they get theirs two potential ways they charge you when you get out of a mortgage early. One is the IRD which I just spoke about or the pale penalty which is usually three months worth of payments and so they'll do whichever is higher now what's happening with my friend is that they're not just charging him an interest rate differential based on the rate that he's got. He's got a freat rate which is 2.9%, but instead they're charging based on what the posted rate was at the time that he took out the mortgage which was around five and a quarter percent so they're charging him for the next 2 years as if he had borrowed the money at five and a quarter percent, anyway, it's a huge sum of money so I'm gonna teach you some ways to get around this IRD and totally eliminate it and then if that doesn't work I'm going to give you some options how you can reduce it so the first way to get around it is, One, is to do what's called porting the mortgage that means you're going to take that mortgage you're going to move it to another property, it might be a property that you already own or it could be a property that you want to purchase now, I personally, not a really big fan of buying real estate in Canada at the moment, I don't thinkthat's a very great idea so if you don't already own a piece of property I definitely wouldn't go buy another property just to save on the interest rate differential, it's not worth it unless you found a really smoking deal. The number 2 option is your new buyer, if they take over your existing mortgage now they're normally going to have to qualify, this is called an assumption of mortgages, they assume your existing mortgage you will avoid the pale penalty in most cases so if because your interest rate is really low, it may be advantageous for them to take that mortgage over as opposed to getting a new one if they can get an even lower rate through their bank the other thing you could do is potentially offer them a chunk of cash obviously less than what you pay the bank give them a bunch of cash or some cash to make it more attractive for them to take over your mortgage and once again help you save on your interest rate differential so those are a couple of the ways you can totally eliminate this IRD, unfortuantely,that doesn't always work and so some of your options to minimize it are one, most of the banks have a prepayment option where you can pay up to 20% per year, so what you want to do is when it gets to the lawyer's office when the deals are ready to close you want the lawyer to send 2 checks, the first check is going to be for that 20% and sometimes you can do the original principal balance not just the balance today but the original balance so you can have them pay 20% of that original balance and that amount won't be subject to the IRD then he'll send a second check for the rest of the money owing and you'll still have unfortunately a big chunk to pay but it'll be a lot less than it would have been so that's nice, the other option is you can make typically the banks like you to make double payments every month so on top of that you could also make a double payment for as many months as you can until the deal closes,there's people like me that will gladly lend you the money, obviously there would be some interest and what not, but you could potentially pay off make two 20% payments on your mortgage and those are a couple of the ways that you can really reduce that IRD take a little bit bite out of it.
https://www.youtube.com/watch?v=VwkkPfNoDr4
https://www.youtube.com/watch?v=4GonTct2WMk
https://www.youtube.com/user/mikewolfmastery
http://mikewolfmastery.com

Sign up for my FREEPassive Income Masterclasshttp://www.mikewolfmastery.co/masterclass if you want to learn my unique system to creating true passive income with real estate, reduce your financial risks, and remove the day-to-day hassles of being a landlord - Can You Pay Off A MortgageEarly - How To Get Out Of A Mortgage WithoutPenalty
Have you ever asked if you can pay off your mortgage early to lower down your IRD?
A friend of mine sent me a message yesterday saying that one of the big Canadian banks is charging him this huge interest rate differential or IRD. Now, for those you don't know what IRD is, basically the bank when you take out a term in Canada usually it ranges from 1 to 5 years, it can be longer, it doesn't matter, the bottom line is that when you're agreeing to borrow the money for certain amounts of time, when you pay it back early the bank doesn't like that unless you happen to have a really low-interest rate in which case they can land it out for more money so what they do to make up for this is, they charge you the difference in interest that they would have made had you kept that mortgage going usually they get theirs two potential ways they charge you when you get out of a mortgage early. One is the IRD which I just spoke about or the pale penalty which is usually three months worth of payments and so they'll do whichever is higher now what's happening with my friend is that they're not just charging him an interest rate differential based on the rate that he's got. He's got a freat rate which is 2.9%, but instead they're charging based on what the posted rate was at the time that he took out the mortgage which was around five and a quarter percent so they're charging him for the next 2 years as if he had borrowed the money at five and a quarter percent, anyway, it's a huge sum of money so I'm gonna teach you some ways to get around this IRD and totally eliminate it and then if that doesn't work I'm going to give you some options how you can reduce it so the first way to get around it is, One, is to do what's called porting the mortgage that means you're going to take that mortgage you're going to move it to another property, it might be a property that you already own or it could be a property that you want to purchase now, I personally, not a really big fan of buying real estate in Canada at the moment, I don't thinkthat's a very great idea so if you don't already own a piece of property I definitely wouldn't go buy another property just to save on the interest rate differential, it's not worth it unless you found a really smoking deal. The number 2 option is your new buyer, if they take over your existing mortgage now they're normally going to have to qualify, this is called an assumption of mortgages, they assume your existing mortgage you will avoid the pale penalty in most cases so if because your interest rate is really low, it may be advantageous for them to take that mortgage over as opposed to getting a new one if they can get an even lower rate through their bank the other thing you could do is potentially offer them a chunk of cash obviously less than what you pay the bank give them a bunch of cash or some cash to make it more attractive for them to take over your mortgage and once again help you save on your interest rate differential so those are a couple of the ways you can totally eliminate this IRD, unfortuantely,that doesn't always work and so some of your options to minimize it are one, most of the banks have a prepayment option where you can pay up to 20% per year, so what you want to do is when it gets to the lawyer's office when the deals are ready to close you want the lawyer to send 2 checks, the first check is going to be for that 20% and sometimes you can do the original principal balance not just the balance today but the original balance so you can have them pay 20% of that original balance and that amount won't be subject to the IRD then he'll send a second check for the rest of the money owing and you'll still have unfortunately a big chunk to pay but it'll be a lot less than it would have been so that's nice, the other option is you can make typically the banks like you to make double payments every month so on top of that you could also make a double payment for as many months as you can until the deal closes,there's people like me that will gladly lend you the money, obviously there would be some interest and what not, but you could potentially pay off make two 20% payments on your mortgage and those are a couple of the ways that you can really reduce that IRD take a little bit bite out of it.
https://www.youtube.com/watch?v=VwkkPfNoDr4
https://www.youtube.com/watch?v=4GonTct2WMk
https://www.youtube.com/user/mikewolfmastery
http://mikewolfmastery.com

Mortgage Free Living: Paying off your mortgage early.

http://beckyshomestead.com/mortgage-free-living
Becky talks about mortgage free living and why it's worth the effort Paying off your mortgage early. When you d...

http://beckyshomestead.com/mortgage-free-living
Becky talks about mortgage free living and why it's worth the effort Paying off your mortgage early. When you don't have a mortgage you have more time to do what you want and you have less stress. Your goal should be to lower your bills and your overhead as much as possible so you only have to work 30 hours per week.

http://beckyshomestead.com/mortgage-free-living
Becky talks about mortgage free living and why it's worth the effort Paying off your mortgage early. When you don't have a mortgage you have more time to do what you want and you have less stress. Your goal should be to lower your bills and your overhead as much as possible so you only have to work 30 hours per week.

How to Get the Best Mortgage Interest Rate

http://LeahCoss.ca
When you walk into a bank and you ask them to give you something. They're giving you there products. Each bank has a different product. And...

http://LeahCoss.ca
When you walk into a bank and you ask them to give you something. They're giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK.
There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today.
Now how does this affect you and why can't you always get the best rate? Well, each product is different. I've mentioned this in many videos. Lexus and Toyota do not target the same people like wise banks do not target the same people either.
You just do not know that because they all look like they target everybody. Right? We're looking for you know smiley, happy people in our commercials to come and get their mortgages from us, not the case.
Here are some examples of situations that will effect whether you can get the best rate or not. First of all property. Where is the property? Is it somewhere rural, is it out in the boonies, is it in the city? Well for example, credit unions are great examples of this. Credit Unions will only fund properties that are within a location of one of their branches. Did you know that?
Not a lot of people do. So therefore location matters to them. And if you get a certain property in a certain area, they will not fund it. Likewise, with other banks going into other provinces or things like that.
They also do not just like land; many places do not want land, or places with homes that are deteriorating or things with more than two piping or previous row operations. All these things I've mentioned in other videos before. Each bank targets people differently and they won't do certain properties. So property is one of the things.
Secondly, credit score. What is your credit score. If your credit score is over 680 great. I can probably put with any lender based on that score. Is it under that score 680. well is it between 650 and 680? I can still go to most lenders. What if it is below 650, what if it is below 500? These are different levels, different tiers and again if a certain rate of 5% says you must have a 680B or above and you have less than 680. You now do not qualify for that best rate.
Kind of, catching on how this works? Again, self employed stated income programs not every bank does those. New immigrant programs you know each bank has their own niche. So, you are not always going to get the best rate depending on your situation.
So if you come to me, how it is I am going to get you the best rate? I am not; I am going to get you your best rate based on your situation. So what I will do I will go, "OK, what is the situation, what is the property, oh it is in the city. OK, well these credit unions are out, these lenders do not like it over there or whatever the case maybe."
Now I am left with this pile. From that pile, I am going to go, "Well I am using a stated income product. This person is self employed does not document a lot of income. OK well, that's more than half. Great now I'm left with this pile." Now I will look at this pile of lenders and I say who has the best rate? And from those lenders I place you with one of those.
There is things about that product you need to know about it. First of all, is it a fixed or variable? If it is fixed how long is it fixed? If it is variable how long is the variable? You probably did not know variable comes in terms did you.
Another thing to ask is what is the prepayment options? If you win the lottery there are some mortgages out there mostly the rates that are the lowest. You have no prepayment options. You cannot pay down any principle at any point. There are certain lenders out there that make a lot of money on those programs. OK?
So, prepayment options are something to ask. Is it transferable? How is there penalty calculated? These are things you need to ask because they will be important to you when it comes time to buy a new home or to refinance.

http://LeahCoss.ca
When you walk into a bank and you ask them to give you something. They're giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK.
There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today.
Now how does this affect you and why can't you always get the best rate? Well, each product is different. I've mentioned this in many videos. Lexus and Toyota do not target the same people like wise banks do not target the same people either.
You just do not know that because they all look like they target everybody. Right? We're looking for you know smiley, happy people in our commercials to come and get their mortgages from us, not the case.
Here are some examples of situations that will effect whether you can get the best rate or not. First of all property. Where is the property? Is it somewhere rural, is it out in the boonies, is it in the city? Well for example, credit unions are great examples of this. Credit Unions will only fund properties that are within a location of one of their branches. Did you know that?
Not a lot of people do. So therefore location matters to them. And if you get a certain property in a certain area, they will not fund it. Likewise, with other banks going into other provinces or things like that.
They also do not just like land; many places do not want land, or places with homes that are deteriorating or things with more than two piping or previous row operations. All these things I've mentioned in other videos before. Each bank targets people differently and they won't do certain properties. So property is one of the things.
Secondly, credit score. What is your credit score. If your credit score is over 680 great. I can probably put with any lender based on that score. Is it under that score 680. well is it between 650 and 680? I can still go to most lenders. What if it is below 650, what if it is below 500? These are different levels, different tiers and again if a certain rate of 5% says you must have a 680B or above and you have less than 680. You now do not qualify for that best rate.
Kind of, catching on how this works? Again, self employed stated income programs not every bank does those. New immigrant programs you know each bank has their own niche. So, you are not always going to get the best rate depending on your situation.
So if you come to me, how it is I am going to get you the best rate? I am not; I am going to get you your best rate based on your situation. So what I will do I will go, "OK, what is the situation, what is the property, oh it is in the city. OK, well these credit unions are out, these lenders do not like it over there or whatever the case maybe."
Now I am left with this pile. From that pile, I am going to go, "Well I am using a stated income product. This person is self employed does not document a lot of income. OK well, that's more than half. Great now I'm left with this pile." Now I will look at this pile of lenders and I say who has the best rate? And from those lenders I place you with one of those.
There is things about that product you need to know about it. First of all, is it a fixed or variable? If it is fixed how long is it fixed? If it is variable how long is the variable? You probably did not know variable comes in terms did you.
Another thing to ask is what is the prepayment options? If you win the lottery there are some mortgages out there mostly the rates that are the lowest. You have no prepayment options. You cannot pay down any principle at any point. There are certain lenders out there that make a lot of money on those programs. OK?
So, prepayment options are something to ask. Is it transferable? How is there penalty calculated? These are things you need to ask because they will be important to you when it comes time to buy a new home or to refinance.

How to Get The Best Mortgage Rates & Other Advice For First Timers

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got...

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got the best mortgage rates for themselves, and how the lowest rate isn’t always the best rate. The best home loans are the ones you can pay off in 10 years. If you follow the advice in this video you’ll be able to pay your mortgage off in 10 years and start living mortgage free. When you apply for a mortgage the banks are ready to take advantage of you, with the tips and tricks you’ll learn in this video you’ll be empowered to get the mortgage you deserve.
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got the best mortgage rates for themselves, and how the lowest rate isn’t always the best rate. The best home loans are the ones you can pay off in 10 years. If you follow the advice in this video you’ll be able to pay your mortgage off in 10 years and start living mortgage free. When you apply for a mortgage the banks are ready to take advantage of you, with the tips and tricks you’ll learn in this video you’ll be empowered to get the mortgage you deserve.
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

3 Fatal Mistakes in Buying Land

http://www.3fatallandbuyingmistakes.com Hi, Mark the LandGeek here. Let's talk about those 3 fatal mistakes that I see the average real estate investor making...

http://www.3fatallandbuyingmistakes.com Hi, Mark the LandGeek here. Let's talk about those 3 fatal mistakes that I see the average real estate investor making every single day.
First big mistake -- you've got to call the county recorder and confirm that that seller owns the property. So what do you do?
First of all, you find out exactly what county that property is located in. Then you quickly go on at naco.org, and it's www.naco.org. That lists all the counties in the country. Do a quick search. You can do with the state, you can do the county -- whatever you want to do, but make sure you go there.
Then all you need to do is if you don't want to talk on the phone, you can email the recorder and simply ask who owns this property at this legal description. They will email you back where they'll tell you it's FrontierEquity Properties LLC.
When was it recorded? And that gives you a big clue as to how long did that seller own that property. Are they buying it for long-term? Are they flipping it? What's going on with that property? It kind of gives you a little bit more in the story anyways.
So now you've got that information. Again, email our seller now and say, "Hey, can you fax me or email me a copy of your recorded deed for that property?" When they do it, we get to go, to take some time, a little sketchy. If they don't do it at all, don't buy the property.
What I have seen is people go online and they can just easily copy now whatever ad is online and say, "Hey, that's my property". They can use a fake PayPal account or a fake Escrow account and take people's money. The typical term for this is a 'phishing' scam. That is the number one fatal mistake that I see people make. You've got to confirm that that seller owns that property; otherwise, who knows what you are getting into.
Now there are situations where I have actually sold property on an auction and that's a whole other ballgame because I am just controlling that. If that's the case, then you need to have a copy of the auction agreement to see that they are controlling that property. Otherwise, look out - not a good thing at all!
All right, second most fatal mistake I see the average real estate investor making online is they get really excited about the property. They are going to build their dream home there or they are going to put their RV on the property. They are just going to camp out and hang out six months out of the year, or they are going to raise sheep, they are going to do something cool on that property.
But they don't confirm with the CountyPlanning and Zoning Commission if what their use for that property is allowed. And so they will invest thousands of dollars, ultimately to be disappointed, and 99.9% of the sellers out there, they don't guarantee that property.
You are stuck with it and now whatever dream you had to do on that property is wasted, and then you've got to go on and try to resell that property and so whole hassle and just a big bar of disappointment.
So, what do you do? Like we did with the first mistake, we've got to contact the County Planning & Zoning Commission. We are going to go back to our website www.naco.org. We are going to find our county and we are going to call or email planning and zoning.
We are going to give them the legal description of that property along with the assessor's parcel number and we are just going to ask the questions -- what restrictions are on this property? What can I do on this property? Can I build a house? Can I raise sheep? Can I camp? Can I put my RV? All these things are very important when trying to determine that your use for that property is allowed. So it's very, very important that you do that.
The third most common fatal mistake I see buyers making every day and being really, really disappointing with their purchase, is not calling the County Treasurer to confirm that the taxes are paid current. This one is really something that I have seen time and time again, bite people on the tush.
So it's really important that again, we are going to go back to our site www.naco.org -- N-A-C-O, we are going to find our County Treasurer, then we are going to shoot them an email -- again, with the legal description and assessor's parcel number and that information you should be able to get from your seller very easily and it should be on the ad. If it's not, you need to email your seller and get that information.
And then you are simply going to confirm the taxes are paid current. If they are not paid current, you need to email your seller and ask them, "Who is responsible for these back taxes? I assume you are." If they say, "Oh, you are responsible for those back taxes", then you've got a decision to make. Well, how much are they if their owner is going to pass on that deal? If they are reasonable and you are getting at a good price, well, maybe pay the back taxes -- big deal.
http://www.3FatalLandBuyingMistakes.com

http://www.3fatallandbuyingmistakes.com Hi, Mark the LandGeek here. Let's talk about those 3 fatal mistakes that I see the average real estate investor making every single day.
First big mistake -- you've got to call the county recorder and confirm that that seller owns the property. So what do you do?
First of all, you find out exactly what county that property is located in. Then you quickly go on at naco.org, and it's www.naco.org. That lists all the counties in the country. Do a quick search. You can do with the state, you can do the county -- whatever you want to do, but make sure you go there.
Then all you need to do is if you don't want to talk on the phone, you can email the recorder and simply ask who owns this property at this legal description. They will email you back where they'll tell you it's FrontierEquity Properties LLC.
When was it recorded? And that gives you a big clue as to how long did that seller own that property. Are they buying it for long-term? Are they flipping it? What's going on with that property? It kind of gives you a little bit more in the story anyways.
So now you've got that information. Again, email our seller now and say, "Hey, can you fax me or email me a copy of your recorded deed for that property?" When they do it, we get to go, to take some time, a little sketchy. If they don't do it at all, don't buy the property.
What I have seen is people go online and they can just easily copy now whatever ad is online and say, "Hey, that's my property". They can use a fake PayPal account or a fake Escrow account and take people's money. The typical term for this is a 'phishing' scam. That is the number one fatal mistake that I see people make. You've got to confirm that that seller owns that property; otherwise, who knows what you are getting into.
Now there are situations where I have actually sold property on an auction and that's a whole other ballgame because I am just controlling that. If that's the case, then you need to have a copy of the auction agreement to see that they are controlling that property. Otherwise, look out - not a good thing at all!
All right, second most fatal mistake I see the average real estate investor making online is they get really excited about the property. They are going to build their dream home there or they are going to put their RV on the property. They are just going to camp out and hang out six months out of the year, or they are going to raise sheep, they are going to do something cool on that property.
But they don't confirm with the CountyPlanning and Zoning Commission if what their use for that property is allowed. And so they will invest thousands of dollars, ultimately to be disappointed, and 99.9% of the sellers out there, they don't guarantee that property.
You are stuck with it and now whatever dream you had to do on that property is wasted, and then you've got to go on and try to resell that property and so whole hassle and just a big bar of disappointment.
So, what do you do? Like we did with the first mistake, we've got to contact the County Planning & Zoning Commission. We are going to go back to our website www.naco.org. We are going to find our county and we are going to call or email planning and zoning.
We are going to give them the legal description of that property along with the assessor's parcel number and we are just going to ask the questions -- what restrictions are on this property? What can I do on this property? Can I build a house? Can I raise sheep? Can I camp? Can I put my RV? All these things are very important when trying to determine that your use for that property is allowed. So it's very, very important that you do that.
The third most common fatal mistake I see buyers making every day and being really, really disappointing with their purchase, is not calling the County Treasurer to confirm that the taxes are paid current. This one is really something that I have seen time and time again, bite people on the tush.
So it's really important that again, we are going to go back to our site www.naco.org -- N-A-C-O, we are going to find our County Treasurer, then we are going to shoot them an email -- again, with the legal description and assessor's parcel number and that information you should be able to get from your seller very easily and it should be on the ad. If it's not, you need to email your seller and get that information.
And then you are simply going to confirm the taxes are paid current. If they are not paid current, you need to email your seller and ask them, "Who is responsible for these back taxes? I assume you are." If they say, "Oh, you are responsible for those back taxes", then you've got a decision to make. Well, how much are they if their owner is going to pass on that deal? If they are reasonable and you are getting at a good price, well, maybe pay the back taxes -- big deal.
http://www.3FatalLandBuyingMistakes.com

BIREM - Obtaining A Mortgage In Hawaii-Your First Step

Getting a Hawaii loan is different than on the mainland. We have lava zones, catchment, leasehold and more. We give you the low down on why choosing a local mor...

Getting a Hawaii loan is different than on the mainland. We have lava zones, catchment, leasehold and more. We give you the low down on why choosing a local mortgage is better. Mahalo JamaicaCanas, Trusted Home Loans for your expertise!

Getting a Hawaii loan is different than on the mainland. We have lava zones, catchment, leasehold and more. We give you the low down on why choosing a local mortgage is better. Mahalo JamaicaCanas, Trusted Home Loans for your expertise!

The RRSP Home Buyers' Plan - Mortgage Math #3 with Ratehub.ca

See today's best mortgage rates from the BigBanks and brokers at http://www.ratehub.ca
The RRSPHome Buyers' Plan (HBP) helps first-time homebuyers use their ...

See today's best mortgage rates from the BigBanks and brokers at http://www.ratehub.ca
The RRSPHome Buyers' Plan (HBP) helps first-time homebuyers use their RRSPs to buy a home in Canada. Toronto-based realtor Lauren Haw shows us how.
0:31 Eligibility for the RRSP Home Buyers' Plan
1:39 RRSP Repayments
2:23 Underpayment: Paying Less Than Your Minimum
2:53 Overpayment: Paying More Than Your Minimum
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard.
WATCH THE OTHER MORTGAGE MATH VIDEOS:
1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0
2. How to Calculate DebtService Ratios - http://youtu.be/wz3qSoBGjp0
3. The RRSP Home Buyers' Plan -
http://youtu.be/f5iz26AflGI
4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w

See today's best mortgage rates from the BigBanks and brokers at http://www.ratehub.ca
The RRSPHome Buyers' Plan (HBP) helps first-time homebuyers use their RRSPs to buy a home in Canada. Toronto-based realtor Lauren Haw shows us how.
0:31 Eligibility for the RRSP Home Buyers' Plan
1:39 RRSP Repayments
2:23 Underpayment: Paying Less Than Your Minimum
2:53 Overpayment: Paying More Than Your Minimum
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard.
WATCH THE OTHER MORTGAGE MATH VIDEOS:
1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0
2. How to Calculate DebtService Ratios - http://youtu.be/wz3qSoBGjp0
3. The RRSP Home Buyers' Plan -
http://youtu.be/f5iz26AflGI
4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w

Mobile Home Trailer House Alternative to 30 year Mortgage

Are you sick and tired of paying high mortgage payments and expensive property taxes. Then watch this video and pay close attention to the instructions and advi...

Are you sick and tired of paying high mortgage payments and expensive property taxes. Then watch this video and pay close attention to the instructions and advice that I give you in this video. From tiny home living and living on land. Having your typical Suburban lifestyle is not always the answer. Thanks for watching please comment rate and subscribe for future videos on the WalkingJourney.
List of my videos that YouTube as unlisted Link:
https://youtu.be/3MI8AkRqGA0
https://youtu.be/NB3Os940AA4
https://youtu.be/H0Z7-Cc7tGc
https://youtu.be/wU08eoG0NJI
https://youtu.be/MCgqQRQ72H0
https://youtu.be/-I1xNQPWKk
https://youtu.be/m4p8lBUS1Rg
Oakwood Homes
DamianZabavaRBI/SL# 02290
3490North Loop336EastConroe Texas 77301
Office: 936 539 5848 Cell: 936 577 0073
Fax: 936 539 5860
https://theoakwoodhomesoftexas.com
nanthony77✉gmail
Jesus Christ Loves you and is the only way to HEAVEN
God is real and is alive
Read the BibleAnthonyChannel, Anthony, Anthony777, Walking Journey

Are you sick and tired of paying high mortgage payments and expensive property taxes. Then watch this video and pay close attention to the instructions and advice that I give you in this video. From tiny home living and living on land. Having your typical Suburban lifestyle is not always the answer. Thanks for watching please comment rate and subscribe for future videos on the WalkingJourney.
List of my videos that YouTube as unlisted Link:
https://youtu.be/3MI8AkRqGA0
https://youtu.be/NB3Os940AA4
https://youtu.be/H0Z7-Cc7tGc
https://youtu.be/wU08eoG0NJI
https://youtu.be/MCgqQRQ72H0
https://youtu.be/-I1xNQPWKk
https://youtu.be/m4p8lBUS1Rg
Oakwood Homes
DamianZabavaRBI/SL# 02290
3490North Loop336EastConroe Texas 77301
Office: 936 539 5848 Cell: 936 577 0073
Fax: 936 539 5860
https://theoakwoodhomesoftexas.com
nanthony77✉gmail
Jesus Christ Loves you and is the only way to HEAVEN
God is real and is alive
Read the BibleAnthonyChannel, Anthony, Anthony777, Walking Journey

How Much Should My House Payment Be? Mortgage Tips #3

Mortgage loan officer Mark OelSchlager talks through some critical tips for people interested in getting a home loan. This episode addresses how to land on an a...

Mortgage loan officer Mark OelSchlager talks through some critical tips for people interested in getting a home loan. This episode addresses how to land on an affordable monthly home mortgage payment. http://www.cascademortgage.com/

Mortgage loan officer Mark OelSchlager talks through some critical tips for people interested in getting a home loan. This episode addresses how to land on an affordable monthly home mortgage payment. http://www.cascademortgage.com/

Owning land without a Mortgage - Allodial Title

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regiona...

published: 25 Feb 2018

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPOR...

published: 13 Aug 2017

How to Get The Best Mortgage Rates & Other Advice For First Timers

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got the best mortgage rates for themselves, and how the lowest rate isn’t always the best rate. The best home loans are the ones you can pay off in 10 years. If you follow the advice in this video you’ll be able to pay your mortgage off in 10 years and start living mortgage free. When you apply for a mortgage the banks are ready to take advantage of you, with the tips and tricks you’ll learn in this video you’ll be empowered to get the mortgage you deserve.
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagr...

published: 27 Aug 2017

No Permit Required! How to Buy Land for Your Off Grid Log Cabin or Tiny Home in Canada

Find out how to find and finance a property with no permit requirements and very low taxes in Ontario, Canada. http://myselfreliance.com/no-permit-required-where-to-build-your-tiny-home/
I found my solution in the form of an unorganized township in Ontario, Canada. Here, I am unencumbered by government oversight. With no building permit requirement and very low annual property taxes, I am free to build what I want, where I want and when I want. Without oversight, I am free to build another log cabin. This one is 10 feet by 20 feet - 200 square feet plus a 70 square foot covered porch and a back deck overlooking the stream, which will eventually be screened in.
How to find a property in an unorganized township
1. SearchRealtor.ca in the area that you are interested in.
2. Contact real...

published: 03 Sep 2017

Without Bound - Perspectives on Mobile Living (Documentary)

WithoutBound, a documentary featuring perspectives on mobile living from a group of fascinating folks who live fulfilling, sustainable, off-grid lives in vans, travel trailers and motorhomes...Find out more about the people and how they do it:
Featuring:
Bob Wells - http://cheaprvliving.com
Randy Vining - http://mobilecodgers.blogspot.com
Josh and Meisha Manwaring - http://vagabloggers.com
Steven Ballee' - http://www.arizonaexplorations.com
Laurie Theodorou - http://www.youtube.com/user/LoveRise
Music:
Music - "Go" by Josh Woodward. Free download: http://joshwoodward.com/song/Go
Music - "Crazy Glue" by Josh Woodward. Free download: http://joshwoodward.com/song/CrazyGlue
Music - "Evolution" by Josh Woodward. Free download: http://joshwoodward.com/song/Evolution
Music - "A Kind of Dista...

published: 21 Nov 2014

Mortgage law

A mortgage is a security interest in real property held by a lender as a security for a debt, usually a loan of money. A mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.
The word is a Law French term meaning "dead pledge," originally only referring to the Welsh mortgage, but in the later Middle Ages was applied to all gages and reinterpreted by folk etymology to mean that the pledge ends either when the obligation is fulfilled or the property is taken through forecl...

published: 20 Oct 2015

BUILDING MY DREAM HOUSE!!

Today we met up with Vinny (builder) and he showed us the updates to my dream ho! Make sure to leave a like, comment, and turn on my notifications so you don't miss a video! Thank you :)
Check out Vinny's website if you're interested in him building you a custom home - http://www.calvosaorganization.com/
See Gymshark’s latest releases: https://www.gymshark.com/
Editor: https://twitter.com/jaredmarston
https://www.youtube.com/r/staggeredits
Subscribe if you’re new :) http://tinyurl.com/yan2bm74
Please leave a like if you enjoyed!
Watch More My Life:
https://www.youtube.com/playlist?list=PLNYfU5gmZtzYTrm8XamSZpknVcQ7oo5O1
FOLLOW ME ON SOCIAL
▶ Twitter: @FaZe_Censor
▶ Instagram: @FaZe_Censor
▶ Snapchat: @FaZe_Censor
Check out my WORKOUT videos here: http://bit.ly/FaZeCensorWorkOut
Chec...

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

published: 11 Jun 2017

Buying a House in the UK | ABI LAVELLE

Hi guys,
Welcome back. I thought I'd share my experience of buying a house in the UK along with some top tips for making the process as smooth as possible.
FOLLOW ME:
Instagram: abilavelle
Twitter: abilavelle
Snapchat: abilavelle
All opinions are my own. I am not a professional. This video is not sponsored.
MusicCredit: http://www.bensound.com

published: 07 Jul 2016

How To Adverse Possession Your Own Property, and Endorsement of Mortgage Updae By EEON 2017 10 21

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

published: 21 Oct 2017

A Tour of Our 5 Acre OFF GRID Property

Support us on Patreon: http://bit.ly/2tdla40
We purchased five acres of land in the Pacific Northwest in September of 2015 where we will be living off the grid and developing our off grid property 100% from scratch!
Many of you requested that we make a video giving a tour of our property. We barely squeezed it in because just a day or two after this video, we took an excavator to the flat spot to move stuff around and pave our driveway! Be sure to check out our channel to see what we've been up to!
POSTS YOU MAY ENJOY
Living off the Grid: Month One of Our Off Grid HomesteadDevelopment: http://purelivingforlife.com/month-one-roundup/
Living off the Grid: Month Two of Our Off Grid Homestead Development: http://purelivingforlife.com/month-two-roundup/
How We Researched, Found & Purchased...

published: 29 Sep 2015

Not Your Typical Debt Free Living Video:Pay Off Mortgage,Buy With Cash, Leave a Heritage.

Today’s video from The TexasBoys:
Today TexasDad & TexasMom discuss the more uncommon aspects of "DebtFreeLiving". Join us as we talk about working smart, saving, investing for your future, creating a heritage for your children, caring for loved ones, living on a single family income, the importance of a stay at home mom, how to purchase property with cash, owner financing, using a home equity line of credit to pay off your mortgage( and other debt ) FAST, Bitcoin, preparedness, and many other "nuggets of Texas Wisdom"...some may call "rabbit trails" !haha So getcha a BIG cup of coffee or tea and come hang out with us for an hour while we share what we have learned thus far along the journey. So glad you stopped by, hope you have a blessed day~
Buy the same greenhouse we did on Ama...

published: 20 Dec 2017

WHAT IS ALLODIUM/ALLODIAL & MORTGAGE???

SPECIALFREE BONUS – For Instant FREE Access to The 10HourReal EstateFast TrackWeekendOnlineVideoHomeStudy Valued At $497.00! -http://www.realestatedvd.com.au/absolutely-free-access-2016/
LIVE EVENT FREE TICKETS – For FREE tickets to attend the next live Melbourne educational event – The RealEstate Investing Fast Track Weekend - http://www.realestatefasttrack.com.au/?utm_source=Youtube
MORE FROM KONRAD BOBILAK - To keep up to date with the latest videos, blogs, eBooks, from Konrad Bobilak go to; http://www.konradbobilak.com.au
Here is what you will learn by watching this video:
Whenever investors borrow above 80% LVR in order to buy an investment property, investors will have to pay Lenders Mortgage Insurance (LMI) for the privilege of doing so. At the time of writing this, ...

published: 03 Oct 2017

Mortgage Calculator - Full Payment

FreeOnlineCalculator Gives CompleteMortgage Payment In 10 Seconds. TMC is Amazing! Other calculators give only partial payments misleading buyers on what their FULL payment will be. Only after the buyer is in escrow do they find that their payment will be hundreds of dollars more than they thought. The True Mortgage CValculator (TMC) not only calculates a full PITI (plus PMI and HOA, etc,) but it also the only calculator anywhere that will allow a user to calculate the maximum purchase price allowable at a desired payment (Joe wants his complete PITI-PMI-HOA payment to be 1600, how much house can he afford at that payment?). And for everyone who wishes they could find information about First TimeHome Buyer Down Payment Assistance Programs, the calculator calculates the benefits of ...

published: 23 May 2012

Mortgage Free for Life. Inspiring women shows how to build a log cabin by hand.

Get Becky's eBook: http://goo.gl/mTFcmR
If you want to learn how to live debt free then learning how to build a log cabin yourself is one way to do it. In this video Becky shows you how a 42 year old women can sell everything, escape the rat race suburbs, build her own log cabin, and start living the debt free homesteading lifestyle. This inspiring story shows women everywhere that they do have the power to change their situation and start living the life they want.

published: 13 Jan 2014

FINALLY, THE GREATEST MORTGAGE VIDEO OF ALL TIME, I PROMISE 2018 03 05 By EeoN

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regional particularities and various historical and cultural backgrounds should be taken into consideration, Solemnly proclaims the following United Nations Declaration on the Rights of Indigenous Peoples as a standard of achievement to be pursued in a spirit of partnership and mutual respect:
Article 21 1. Indigenous peoples have the right, without discrimination, to the improvement of their economic and social conditions, including, inter alia, in the areas of education, employment, vocational training and retraining, housing, sanitation, health and social security. 2. States shall take effective measures and, where appropriate, special measures to ensure continuing improvement of their economic and social conditions. Particular attention shall be paid to the rights and special needs of indigenous elders, women, youth, children and persons with disabilities.
Article 23 Indigenous peoples have the right to determine and develop priorities and strategies for exercising their right to development. In particular, indigenous peoples have the right to be actively involved in developing and determining health, housing and other economic and social programmes affecting them and, as far as possible, to administer such programmes through their own institutions.
Article 25 Indigenous peoples have the right to maintain and strengthen their distinctive spiritual relationship with their traditionally owned or otherwise occupied and used lands, territories, waters and coastal seas and other resources and to uphold their responsibilities to future generations in this regard.
Article 26 1. Indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired. 2. Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess by reason of traditional ownership or other traditional occupation or use, as well as those which they have otherwise acquired. 3. States shall give legal recognition and protection to these lands, territories and resources. Such recognition shall be conducted with due respect to the customs, traditions and land tenure systems of the indigenous peoples concerned.

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regional particularities and various historical and cultural backgrounds should be taken into consideration, Solemnly proclaims the following United Nations Declaration on the Rights of Indigenous Peoples as a standard of achievement to be pursued in a spirit of partnership and mutual respect:
Article 21 1. Indigenous peoples have the right, without discrimination, to the improvement of their economic and social conditions, including, inter alia, in the areas of education, employment, vocational training and retraining, housing, sanitation, health and social security. 2. States shall take effective measures and, where appropriate, special measures to ensure continuing improvement of their economic and social conditions. Particular attention shall be paid to the rights and special needs of indigenous elders, women, youth, children and persons with disabilities.
Article 23 Indigenous peoples have the right to determine and develop priorities and strategies for exercising their right to development. In particular, indigenous peoples have the right to be actively involved in developing and determining health, housing and other economic and social programmes affecting them and, as far as possible, to administer such programmes through their own institutions.
Article 25 Indigenous peoples have the right to maintain and strengthen their distinctive spiritual relationship with their traditionally owned or otherwise occupied and used lands, territories, waters and coastal seas and other resources and to uphold their responsibilities to future generations in this regard.
Article 26 1. Indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired. 2. Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess by reason of traditional ownership or other traditional occupation or use, as well as those which they have otherwise acquired. 3. States shall give legal recognition and protection to these lands, territories and resources. Such recognition shall be conducted with due respect to the customs, traditions and land tenure systems of the indigenous peoples concerned.

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about b...

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

How to Get The Best Mortgage Rates & Other Advice For First Timers

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got...

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got the best mortgage rates for themselves, and how the lowest rate isn’t always the best rate. The best home loans are the ones you can pay off in 10 years. If you follow the advice in this video you’ll be able to pay your mortgage off in 10 years and start living mortgage free. When you apply for a mortgage the banks are ready to take advantage of you, with the tips and tricks you’ll learn in this video you’ll be empowered to get the mortgage you deserve.
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got the best mortgage rates for themselves, and how the lowest rate isn’t always the best rate. The best home loans are the ones you can pay off in 10 years. If you follow the advice in this video you’ll be able to pay your mortgage off in 10 years and start living mortgage free. When you apply for a mortgage the banks are ready to take advantage of you, with the tips and tricks you’ll learn in this video you’ll be empowered to get the mortgage you deserve.
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

No Permit Required! How to Buy Land for Your Off Grid Log Cabin or Tiny Home in Canada

Find out how to find and finance a property with no permit requirements and very low taxes in Ontario, Canada. http://myselfreliance.com/no-permit-required-whe...

Find out how to find and finance a property with no permit requirements and very low taxes in Ontario, Canada. http://myselfreliance.com/no-permit-required-where-to-build-your-tiny-home/
I found my solution in the form of an unorganized township in Ontario, Canada. Here, I am unencumbered by government oversight. With no building permit requirement and very low annual property taxes, I am free to build what I want, where I want and when I want. Without oversight, I am free to build another log cabin. This one is 10 feet by 20 feet - 200 square feet plus a 70 square foot covered porch and a back deck overlooking the stream, which will eventually be screened in.
How to find a property in an unorganized township
1. SearchRealtor.ca in the area that you are interested in.
2. Contact real estate agents in desired locations and asked for a list of unorganized townships in the area.
3. Ask realtor for a list of properties for sale in an unorganized townships. Include already developed properties - sometimes the building is not suitable for habitation but beneficial infrastructure is in place, such as driveway, well and septic.
4. Visit http://www.gisapplication.lrc.gov.on.ca/CLUPA/Index.html?site=CLUPA&viewer=CLUPA&locale=en-US (Crown Land Use PolicyAtlas) to see what public lands are located near your property. Ideally, a large park of public land should be within walking distance.
5. Spend time on Google Earth to get an idea of what surrounds the property - lakes and rivers, landfill sites, other developments, mines, quarries, etc.

Find out how to find and finance a property with no permit requirements and very low taxes in Ontario, Canada. http://myselfreliance.com/no-permit-required-where-to-build-your-tiny-home/
I found my solution in the form of an unorganized township in Ontario, Canada. Here, I am unencumbered by government oversight. With no building permit requirement and very low annual property taxes, I am free to build what I want, where I want and when I want. Without oversight, I am free to build another log cabin. This one is 10 feet by 20 feet - 200 square feet plus a 70 square foot covered porch and a back deck overlooking the stream, which will eventually be screened in.
How to find a property in an unorganized township
1. SearchRealtor.ca in the area that you are interested in.
2. Contact real estate agents in desired locations and asked for a list of unorganized townships in the area.
3. Ask realtor for a list of properties for sale in an unorganized townships. Include already developed properties - sometimes the building is not suitable for habitation but beneficial infrastructure is in place, such as driveway, well and septic.
4. Visit http://www.gisapplication.lrc.gov.on.ca/CLUPA/Index.html?site=CLUPA&viewer=CLUPA&locale=en-US (Crown Land Use PolicyAtlas) to see what public lands are located near your property. Ideally, a large park of public land should be within walking distance.
5. Spend time on Google Earth to get an idea of what surrounds the property - lakes and rivers, landfill sites, other developments, mines, quarries, etc.

Mortgage law

A mortgage is a security interest in real property held by a lender as a security for a debt, usually a loan of money. A mortgage in itself is not a debt, it is...

A mortgage is a security interest in real property held by a lender as a security for a debt, usually a loan of money. A mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.
The word is a Law French term meaning "dead pledge," originally only referring to the Welsh mortgage, but in the later Middle Ages was applied to all gages and reinterpreted by folk etymology to mean that the pledge ends either when the obligation is fulfilled or the property is taken through foreclosure.
This video is targeted to blind users.
Attribution:
Article text available under CC-BY-SACreative Commons image source in video

A mortgage is a security interest in real property held by a lender as a security for a debt, usually a loan of money. A mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.
The word is a Law French term meaning "dead pledge," originally only referring to the Welsh mortgage, but in the later Middle Ages was applied to all gages and reinterpreted by folk etymology to mean that the pledge ends either when the obligation is fulfilled or the property is taken through foreclosure.
This video is targeted to blind users.
Attribution:
Article text available under CC-BY-SACreative Commons image source in video

BUILDING MY DREAM HOUSE!!

Today we met up with Vinny (builder) and he showed us the updates to my dream ho! Make sure to leave a like, comment, and turn on my notifications so you don't ...

Today we met up with Vinny (builder) and he showed us the updates to my dream ho! Make sure to leave a like, comment, and turn on my notifications so you don't miss a video! Thank you :)
Check out Vinny's website if you're interested in him building you a custom home - http://www.calvosaorganization.com/
See Gymshark’s latest releases: https://www.gymshark.com/
Editor: https://twitter.com/jaredmarston
https://www.youtube.com/r/staggeredits
Subscribe if you’re new :) http://tinyurl.com/yan2bm74
Please leave a like if you enjoyed!
Watch More My Life:
https://www.youtube.com/playlist?list=PLNYfU5gmZtzYTrm8XamSZpknVcQ7oo5O1
FOLLOW ME ON SOCIAL
▶ Twitter: @FaZe_Censor
▶ Instagram: @FaZe_Censor
▶ Snapchat: @FaZe_Censor
Check out my WORKOUT videos here: http://bit.ly/FaZeCensorWorkOut
Check out my MOST POPULAR videos here: http://bit.ly/FaZeCensorMostPopular
Check out my PRANKS here: http://bit.ly/FaZeCensorPranks
Watch ALL MY VIDEOS: http://bit.ly/FaZeCensorVideos
For Business/Integration/Promotion requests please email my agent: mgordon@fullscreen.com
Gymshark's Website - http://bit.ly/Gymshark_FaZeCensor
Code "CENSOR" for 5% off SCUFS http://SCUFGaming.com
Code "CENSOR" for 10% off GFUEL http://www.gfuel.com/censor
About FaZe Censor
I’m a professional gamer that enjoys working out and I do my best to inspire as many people as I can to follow their dreams.
BUILDING MY DREAMHOUSE!!
https://www.youtube.com/watch?v=NothTMMOMSE
FaZe Censor
https://www.youtube.com/CENSAT1ON

Today we met up with Vinny (builder) and he showed us the updates to my dream ho! Make sure to leave a like, comment, and turn on my notifications so you don't miss a video! Thank you :)
Check out Vinny's website if you're interested in him building you a custom home - http://www.calvosaorganization.com/
See Gymshark’s latest releases: https://www.gymshark.com/
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About FaZe Censor
I’m a professional gamer that enjoys working out and I do my best to inspire as many people as I can to follow their dreams.
BUILDING MY DREAMHOUSE!!
https://www.youtube.com/watch?v=NothTMMOMSE
FaZe Censor
https://www.youtube.com/CENSAT1ON

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

Buying a House in the UK | ABI LAVELLE

Hi guys,
Welcome back. I thought I'd share my experience of buying a house in the UK along with some top tips for making the process as smooth as possible.
...

Hi guys,
Welcome back. I thought I'd share my experience of buying a house in the UK along with some top tips for making the process as smooth as possible.
FOLLOW ME:
Instagram: abilavelle
Twitter: abilavelle
Snapchat: abilavelle
All opinions are my own. I am not a professional. This video is not sponsored.
MusicCredit: http://www.bensound.com

Hi guys,
Welcome back. I thought I'd share my experience of buying a house in the UK along with some top tips for making the process as smooth as possible.
FOLLOW ME:
Instagram: abilavelle
Twitter: abilavelle
Snapchat: abilavelle
All opinions are my own. I am not a professional. This video is not sponsored.
MusicCredit: http://www.bensound.com

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

Support us on Patreon: http://bit.ly/2tdla40
We purchased five acres of land in the Pacific Northwest in September of 2015 where we will be living off the grid and developing our off grid property 100% from scratch!
Many of you requested that we make a video giving a tour of our property. We barely squeezed it in because just a day or two after this video, we took an excavator to the flat spot to move stuff around and pave our driveway! Be sure to check out our channel to see what we've been up to!
POSTS YOU MAY ENJOY
Living off the Grid: Month One of Our Off Grid HomesteadDevelopment: http://purelivingforlife.com/month-one-roundup/
Living off the Grid: Month Two of Our Off Grid Homestead Development: http://purelivingforlife.com/month-two-roundup/
How We Researched, Found & Purchased the BestLand for Our Homestead: http://purelivingforlife.com/finding-land-for-homestead/
Our Portable RV Garage: http://purelivingforlife.com/our-portable-rv-garage/
Why We Had Our Septic System Installed, ASAP, by Contractors: http://purelivingforlife.com/why-we-installed-our-septic-system-asap/
Building our $300 Off Grid Cabin for Winter: http://purelivingforlife.com/building-a-cabin-for-winter/
What Does it Cost To Homestead? Our Expense Reports by Month: http://purelivingforlife.com/
ENJOY THIS VIDEO? SUPPORT US WITHOUT PAYING A DIME!
It takes us 40+ hours a week to document our journey on both our blog and our YouTube channel. If you enjoy watching our videos and want to help us to produce more of them, learn how you can help us without spending a dime! http://purelivingforlife.com/support/
GET SOCIAL
Follow us as we build our off grid homestead 100% from scratch! We post a lot of stuff to both our blog and our other social media channels that don't make it to YouTube, so be sure to follow us there for the full scoop of what we're working on!
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Editing software: http://bit.ly/1oTH5av
OTHER WORDS YOU MAY USE TO FIND THIS VIDEO:
living off the grid
living off grid
off grid homestead

Support us on Patreon: http://bit.ly/2tdla40
We purchased five acres of land in the Pacific Northwest in September of 2015 where we will be living off the grid and developing our off grid property 100% from scratch!
Many of you requested that we make a video giving a tour of our property. We barely squeezed it in because just a day or two after this video, we took an excavator to the flat spot to move stuff around and pave our driveway! Be sure to check out our channel to see what we've been up to!
POSTS YOU MAY ENJOY
Living off the Grid: Month One of Our Off Grid HomesteadDevelopment: http://purelivingforlife.com/month-one-roundup/
Living off the Grid: Month Two of Our Off Grid Homestead Development: http://purelivingforlife.com/month-two-roundup/
How We Researched, Found & Purchased the BestLand for Our Homestead: http://purelivingforlife.com/finding-land-for-homestead/
Our Portable RV Garage: http://purelivingforlife.com/our-portable-rv-garage/
Why We Had Our Septic System Installed, ASAP, by Contractors: http://purelivingforlife.com/why-we-installed-our-septic-system-asap/
Building our $300 Off Grid Cabin for Winter: http://purelivingforlife.com/building-a-cabin-for-winter/
What Does it Cost To Homestead? Our Expense Reports by Month: http://purelivingforlife.com/
ENJOY THIS VIDEO? SUPPORT US WITHOUT PAYING A DIME!
It takes us 40+ hours a week to document our journey on both our blog and our YouTube channel. If you enjoy watching our videos and want to help us to produce more of them, learn how you can help us without spending a dime! http://purelivingforlife.com/support/
GET SOCIAL
Follow us as we build our off grid homestead 100% from scratch! We post a lot of stuff to both our blog and our other social media channels that don't make it to YouTube, so be sure to follow us there for the full scoop of what we're working on!
Blog: http://purelivingforlife.com
Instagram: http://instagram.com/purelivingforlife
Facebook: https://www.facebook.com/purelivingforlife
Pinterest: https://www.pinterest.com/purlivforlif
Twitter: https://twitter.com/pureliving4life
EQUIPMENT USED TO PRODUCE OUR VIDEOS
Camera #1: http://amzn.to/2aykTf8
Camera #2: http://amzn.to/2aCddvP
Tripod: http://amzn.to/2aShOL4
Macbook Pro: http://amzn.to/2aCdGhy
Editing software: http://bit.ly/1oTH5av
OTHER WORDS YOU MAY USE TO FIND THIS VIDEO:
living off the grid
living off grid
off grid homestead

Today’s video from The TexasBoys:
Today TexasDad & TexasMom discuss the more uncommon aspects of "DebtFreeLiving". Join us as we talk about working smart, saving, investing for your future, creating a heritage for your children, caring for loved ones, living on a single family income, the importance of a stay at home mom, how to purchase property with cash, owner financing, using a home equity line of credit to pay off your mortgage( and other debt ) FAST, Bitcoin, preparedness, and many other "nuggets of Texas Wisdom"...some may call "rabbit trails" !haha So getcha a BIG cup of coffee or tea and come hang out with us for an hour while we share what we have learned thus far along the journey. So glad you stopped by, hope you have a blessed day~
Buy the same greenhouse we did on Amazon here: http://amzn.to/2lBj9wm
The Texas Boys are now on Steemit. We will blog here
https://steemit.com/@texasboys
The YouTube gear we use:
Rode Mic: http://amzn.to/2tC3GiC
Rode Mic bracket for Cannon: http://amzn.to/2syEl4l
Cannon Vixia HF R700: http://amzn.to/2uvN7Bg
Tripod: http://amzn.to/2tBDftz
The Boys use ThriveLife Food weekly in meals and for food storage.
Thrive Life Food is a great option for food storage 25 year shelf stable high quality freeze dried food.
If you are interested in getting more info on Thrive Life food please visit our website:
www.thrivelife.com/thetexasboys
Patreon supporters:
Mark Edwards
Dooloowoohoo
Be Not Slothful: https://www.youtube.com/channel/UCGijmHmcAFtqng4U062xVRQ
East TexasHomestead: https://www.youtube.com/user/EastTXHomestead
Garrett and KristenElias
Edddie Beloate
Subscribe
https://www.youtube.com/channel/UCkns4vMbwYwinCrZX8JwAig
If you would like to support the Boys or order a T Shirt, you can use PayPal:
https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=RFDGT8AT8ZZFW
If you would like to support the Boys on Patreon click here:
https://www.patreon.com/TheTexasBoys
Patreon is a way for us to better interact with our subscribers and it will help us to continue to improve our channel.
Follow us on social media:
Facebook:
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Instagram:
https://www.instagram.com/the_texas_boys/
Twitter:
https://twitter.com/The_Texas_Boys
Want ToSupport Us For FREE?!!! Shop from this general link on Amazon. From toilet paper to jewelry, we get a small commission no matter what you buy and it helps us be able to continue making these videos: http://amzn.to/2ozKhwB
The Market Gardener by JM Fortier: http://amzn.to/2s6zyuQ
Premier 1 electric poultry netting: http://amzn.to/2rOiARJ
LOOKING FOR AZOMITE for your plants: http://amzn.to/2p8sp8u
Buy a pair of Goob’s Sloggers: http://amzn.to/2oXkyyA
The YETI mic we use for our live shows: http://amzn.to/2qrZYGg
YETI Case: http://amzn.to/2qENMib
Wanna buy the incubator we use: http://amzn.to/2qrbjpy
Buy a MilwaukeeM18 Sawzall: http://amzn.to/2qDKezq
Buy a Milwaukee M18 Circular Saw: http://amzn.to/2q90zIR
If you are interested in www.Vitacost.com use this link to get $5 off your first order: http://goo.gl/pnvJz7
HumidityMeter: http://amzn.to/2pToDQz
Audio library Noncopy righted Music.
Contact us by SNAIL MAIL:
The Texas Boys
PO BOX 263
White Oak, TX 75693
To Contact us by e-mail:
countrytexasboys@gmail.com
Just four Texas brothers trying to homestead! Sit back and enjoy while we learn and enjoy the simple life together! We love making videos.
We raise goats, laying hens, meat birds, meat rabbits and mascovy ducks on our 5 acre homestead. We are planting fruit trees on contour, using swales to develop a sustainable food forest. While using our goats to clear land and our chickens to fertilize and till the ground, putting our animals to work for us implementing permaculture to maximize our efforts.
We hope you enjoy our videos and learn together with us since we are just getting started.
Thanks for stopping by!
_

Today’s video from The TexasBoys:
Today TexasDad & TexasMom discuss the more uncommon aspects of "DebtFreeLiving". Join us as we talk about working smart, saving, investing for your future, creating a heritage for your children, caring for loved ones, living on a single family income, the importance of a stay at home mom, how to purchase property with cash, owner financing, using a home equity line of credit to pay off your mortgage( and other debt ) FAST, Bitcoin, preparedness, and many other "nuggets of Texas Wisdom"...some may call "rabbit trails" !haha So getcha a BIG cup of coffee or tea and come hang out with us for an hour while we share what we have learned thus far along the journey. So glad you stopped by, hope you have a blessed day~
Buy the same greenhouse we did on Amazon here: http://amzn.to/2lBj9wm
The Texas Boys are now on Steemit. We will blog here
https://steemit.com/@texasboys
The YouTube gear we use:
Rode Mic: http://amzn.to/2tC3GiC
Rode Mic bracket for Cannon: http://amzn.to/2syEl4l
Cannon Vixia HF R700: http://amzn.to/2uvN7Bg
Tripod: http://amzn.to/2tBDftz
The Boys use ThriveLife Food weekly in meals and for food storage.
Thrive Life Food is a great option for food storage 25 year shelf stable high quality freeze dried food.
If you are interested in getting more info on Thrive Life food please visit our website:
www.thrivelife.com/thetexasboys
Patreon supporters:
Mark Edwards
Dooloowoohoo
Be Not Slothful: https://www.youtube.com/channel/UCGijmHmcAFtqng4U062xVRQ
East TexasHomestead: https://www.youtube.com/user/EastTXHomestead
Garrett and KristenElias
Edddie Beloate
Subscribe
https://www.youtube.com/channel/UCkns4vMbwYwinCrZX8JwAig
If you would like to support the Boys or order a T Shirt, you can use PayPal:
https://www.paypal.com/cgi-bin/webscr?cmd=_s-xclick&hosted_button_id=RFDGT8AT8ZZFW
If you would like to support the Boys on Patreon click here:
https://www.patreon.com/TheTexasBoys
Patreon is a way for us to better interact with our subscribers and it will help us to continue to improve our channel.
Follow us on social media:
Facebook:
https://www.facebook.com/Thetexasboys-1648206918817381/
Instagram:
https://www.instagram.com/the_texas_boys/
Twitter:
https://twitter.com/The_Texas_Boys
Want ToSupport Us For FREE?!!! Shop from this general link on Amazon. From toilet paper to jewelry, we get a small commission no matter what you buy and it helps us be able to continue making these videos: http://amzn.to/2ozKhwB
The Market Gardener by JM Fortier: http://amzn.to/2s6zyuQ
Premier 1 electric poultry netting: http://amzn.to/2rOiARJ
LOOKING FOR AZOMITE for your plants: http://amzn.to/2p8sp8u
Buy a pair of Goob’s Sloggers: http://amzn.to/2oXkyyA
The YETI mic we use for our live shows: http://amzn.to/2qrZYGg
YETI Case: http://amzn.to/2qENMib
Wanna buy the incubator we use: http://amzn.to/2qrbjpy
Buy a MilwaukeeM18 Sawzall: http://amzn.to/2qDKezq
Buy a Milwaukee M18 Circular Saw: http://amzn.to/2q90zIR
If you are interested in www.Vitacost.com use this link to get $5 off your first order: http://goo.gl/pnvJz7
HumidityMeter: http://amzn.to/2pToDQz
Audio library Noncopy righted Music.
Contact us by SNAIL MAIL:
The Texas Boys
PO BOX 263
White Oak, TX 75693
To Contact us by e-mail:
countrytexasboys@gmail.com
Just four Texas brothers trying to homestead! Sit back and enjoy while we learn and enjoy the simple life together! We love making videos.
We raise goats, laying hens, meat birds, meat rabbits and mascovy ducks on our 5 acre homestead. We are planting fruit trees on contour, using swales to develop a sustainable food forest. While using our goats to clear land and our chickens to fertilize and till the ground, putting our animals to work for us implementing permaculture to maximize our efforts.
We hope you enjoy our videos and learn together with us since we are just getting started.
Thanks for stopping by!
_

SPECIALFREE BONUS – For Instant FREE Access to The 10HourReal EstateFast TrackWeekendOnlineVideoHomeStudy Valued At $497.00! -http://www.realestatedvd.com.au/absolutely-free-access-2016/
LIVE EVENT FREE TICKETS – For FREE tickets to attend the next live Melbourne educational event – The RealEstate Investing Fast Track Weekend - http://www.realestatefasttrack.com.au/?utm_source=Youtube
MORE FROM KONRAD BOBILAK - To keep up to date with the latest videos, blogs, eBooks, from Konrad Bobilak go to; http://www.konradbobilak.com.au
Here is what you will learn by watching this video:
Whenever investors borrow above 80% LVR in order to buy an investment property, investors will have to pay Lenders Mortgage Insurance (LMI) for the privilege of doing so. At the time of writing this, the highest LVR offered in Australia via standard main stream lenders was 95% LVR plus LMI capitalised, equating to 97% LVR which includes the LMI premium.
Essentially, LMI simply refers to an insurance premium that is payable by the borrower, on behalf of the mortgagee, protecting the mortgagee against an event whereby the borrower defaults on their mortgage, dies during the mortgage or becomes unable to make repayments on the mortgage.
In Australia, there are two main LMI insurers used by most of the financial institutions and banks, namely, Genworth Financial and QBE. LMI is generally applicable on any loans over 80% LVR and 60% LVR for Low Doc loans. Having said that, some non-bank lenders, especially those offering non-conforming loans to the credit impaired sector, obtain LMI for every loan, irrespective of the LVR. In the event that a default occurs and the mortgagee (bank or lending institution) has to sell the property, any shortfall, less expenses, is insured by LMI.
LMI premiums vary depending on the loan amount; the higher the LVR the higher the premium charged. In the case of borrowing 81% LVR on a property purchased the LMI premium might be 0.3% of the total loan amount, compared to 95% LVR where the LMI premium may be as high as 3.5% of the total loan amount. So, to put that into perspective, on a $600,000 purchase, at 81% LVR the premium would be $1,458 ($600,000 @ 81% LVR = $486,000 x 0.3% = $1,458), on a 95% LVR the premium could be as hight as $19,950 ($600,000 @ 95% LVR = $570,000 x 3.5% = $19,950).
The question often arises, is it worth paying Lenders Mortgage Insurance premiums and borrowing above 80% LVR or is it better to structure a purchase with a 20% deposit and avoid LMI?
Well, it depends on your overall investment strategy, chosen time horizon for investing, available resources and equity or cash savings at hand when making this decision.

SPECIALFREE BONUS – For Instant FREE Access to The 10HourReal EstateFast TrackWeekendOnlineVideoHomeStudy Valued At $497.00! -http://www.realestatedvd.com.au/absolutely-free-access-2016/
LIVE EVENT FREE TICKETS – For FREE tickets to attend the next live Melbourne educational event – The RealEstate Investing Fast Track Weekend - http://www.realestatefasttrack.com.au/?utm_source=Youtube
MORE FROM KONRAD BOBILAK - To keep up to date with the latest videos, blogs, eBooks, from Konrad Bobilak go to; http://www.konradbobilak.com.au
Here is what you will learn by watching this video:
Whenever investors borrow above 80% LVR in order to buy an investment property, investors will have to pay Lenders Mortgage Insurance (LMI) for the privilege of doing so. At the time of writing this, the highest LVR offered in Australia via standard main stream lenders was 95% LVR plus LMI capitalised, equating to 97% LVR which includes the LMI premium.
Essentially, LMI simply refers to an insurance premium that is payable by the borrower, on behalf of the mortgagee, protecting the mortgagee against an event whereby the borrower defaults on their mortgage, dies during the mortgage or becomes unable to make repayments on the mortgage.
In Australia, there are two main LMI insurers used by most of the financial institutions and banks, namely, Genworth Financial and QBE. LMI is generally applicable on any loans over 80% LVR and 60% LVR for Low Doc loans. Having said that, some non-bank lenders, especially those offering non-conforming loans to the credit impaired sector, obtain LMI for every loan, irrespective of the LVR. In the event that a default occurs and the mortgagee (bank or lending institution) has to sell the property, any shortfall, less expenses, is insured by LMI.
LMI premiums vary depending on the loan amount; the higher the LVR the higher the premium charged. In the case of borrowing 81% LVR on a property purchased the LMI premium might be 0.3% of the total loan amount, compared to 95% LVR where the LMI premium may be as high as 3.5% of the total loan amount. So, to put that into perspective, on a $600,000 purchase, at 81% LVR the premium would be $1,458 ($600,000 @ 81% LVR = $486,000 x 0.3% = $1,458), on a 95% LVR the premium could be as hight as $19,950 ($600,000 @ 95% LVR = $570,000 x 3.5% = $19,950).
The question often arises, is it worth paying Lenders Mortgage Insurance premiums and borrowing above 80% LVR or is it better to structure a purchase with a 20% deposit and avoid LMI?
Well, it depends on your overall investment strategy, chosen time horizon for investing, available resources and equity or cash savings at hand when making this decision.

FreeOnlineCalculator Gives CompleteMortgage Payment In 10 Seconds. TMC is Amazing! Other calculators give only partial payments misleading buyers on what their FULL payment will be. Only after the buyer is in escrow do they find that their payment will be hundreds of dollars more than they thought. The True Mortgage CValculator (TMC) not only calculates a full PITI (plus PMI and HOA, etc,) but it also the only calculator anywhere that will allow a user to calculate the maximum purchase price allowable at a desired payment (Joe wants his complete PITI-PMI-HOA payment to be 1600, how much house can he afford at that payment?). And for everyone who wishes they could find information about First TimeHome Buyer Down Payment Assistance Programs, the calculator calculates the benefits of both DAP programs and the MCC program! Watch this video, then go to http://www.OwnSanDiegoRealEstate.com or http://www.FirstTimeHomeBuyerProgramsSanDiego.com to see how well it works! It's fast, easy and free.
Please don't forget to give this video a thumbs up. If you found a particular part helpful, make a comment. If you are looking for help with specific types of calculations here is the order the video is in.
1st Compare web calcs to see why they only show partial payment
2nd show how to use basic FULL monthly mortgage calculation
3rd How to calculate Down Payment Assistance Programs & MCC
4th How to calculate the amount you can buy for desired payment
and there is much more. all calculations can be performed in about 10 seconds.
If you want to see the video on the home search functionality and how websites are misleading you by showing you homes that are already for sale, click here http://www.ownsandiegorealestate.com/80-percent-of-homes-listed-on-trulia-zillow-etc-are-not-really-for-sale/
PLEASE NOTE: In the video, I indicated that Redfin also shows listings that are not really accepting offers (like Trulia and Zillo). I got an email from a Redfin Representative who said that their site does not show the "Pending and Contingent" properties that Zillow and Trulia are showing and that they in fact are concerned with these same issues. I was skeptical, because past searches I had done on Redfin had returned more results than were really active. I went looking for who was right. It turns out that I had misunderstood what I was seeing on Redfin and therefore had misspoken. When you search on Redfin, more results come up than one would expect (if you were trying to buy a house). This is because Redfins initial search page does not SEEM to allow the buyer to indicate the type of property they are searching for. Thus the results include all types including for example Lot/land sales, etc. So is this bad??? Well, perhaps and perhaps not. Once you get to their results page Redfin allows you "More Options" to define your search criteria. This allows for filtering to the type of property that you are interested in. Once you redefine your search and click search again, it will return the results that you are specifically looking for. So which is better? Well, Redfin believes their way is better and that is why they have designed there page that way. I believe that it is easier for the clients to indicate their search criteria upfront and not have to resubmit a second search (or filter through unwanted results). In the end, it is the buyer who ultimately chooses what they feel comfortable with.

FreeOnlineCalculator Gives CompleteMortgage Payment In 10 Seconds. TMC is Amazing! Other calculators give only partial payments misleading buyers on what their FULL payment will be. Only after the buyer is in escrow do they find that their payment will be hundreds of dollars more than they thought. The True Mortgage CValculator (TMC) not only calculates a full PITI (plus PMI and HOA, etc,) but it also the only calculator anywhere that will allow a user to calculate the maximum purchase price allowable at a desired payment (Joe wants his complete PITI-PMI-HOA payment to be 1600, how much house can he afford at that payment?). And for everyone who wishes they could find information about First TimeHome Buyer Down Payment Assistance Programs, the calculator calculates the benefits of both DAP programs and the MCC program! Watch this video, then go to http://www.OwnSanDiegoRealEstate.com or http://www.FirstTimeHomeBuyerProgramsSanDiego.com to see how well it works! It's fast, easy and free.
Please don't forget to give this video a thumbs up. If you found a particular part helpful, make a comment. If you are looking for help with specific types of calculations here is the order the video is in.
1st Compare web calcs to see why they only show partial payment
2nd show how to use basic FULL monthly mortgage calculation
3rd How to calculate Down Payment Assistance Programs & MCC
4th How to calculate the amount you can buy for desired payment
and there is much more. all calculations can be performed in about 10 seconds.
If you want to see the video on the home search functionality and how websites are misleading you by showing you homes that are already for sale, click here http://www.ownsandiegorealestate.com/80-percent-of-homes-listed-on-trulia-zillow-etc-are-not-really-for-sale/
PLEASE NOTE: In the video, I indicated that Redfin also shows listings that are not really accepting offers (like Trulia and Zillo). I got an email from a Redfin Representative who said that their site does not show the "Pending and Contingent" properties that Zillow and Trulia are showing and that they in fact are concerned with these same issues. I was skeptical, because past searches I had done on Redfin had returned more results than were really active. I went looking for who was right. It turns out that I had misunderstood what I was seeing on Redfin and therefore had misspoken. When you search on Redfin, more results come up than one would expect (if you were trying to buy a house). This is because Redfins initial search page does not SEEM to allow the buyer to indicate the type of property they are searching for. Thus the results include all types including for example Lot/land sales, etc. So is this bad??? Well, perhaps and perhaps not. Once you get to their results page Redfin allows you "More Options" to define your search criteria. This allows for filtering to the type of property that you are interested in. Once you redefine your search and click search again, it will return the results that you are specifically looking for. So which is better? Well, Redfin believes their way is better and that is why they have designed there page that way. I believe that it is easier for the clients to indicate their search criteria upfront and not have to resubmit a second search (or filter through unwanted results). In the end, it is the buyer who ultimately chooses what they feel comfortable with.

Mortgage Free for Life. Inspiring women shows how to build a log cabin by hand.

Get Becky's eBook: http://goo.gl/mTFcmR
If you want to learn how to live debt free then learning how to build a log cabin yourself is one way to do it. In this ...

Get Becky's eBook: http://goo.gl/mTFcmR
If you want to learn how to live debt free then learning how to build a log cabin yourself is one way to do it. In this video Becky shows you how a 42 year old women can sell everything, escape the rat race suburbs, build her own log cabin, and start living the debt free homesteading lifestyle. This inspiring story shows women everywhere that they do have the power to change their situation and start living the life they want.

Get Becky's eBook: http://goo.gl/mTFcmR
If you want to learn how to live debt free then learning how to build a log cabin yourself is one way to do it. In this video Becky shows you how a 42 year old women can sell everything, escape the rat race suburbs, build her own log cabin, and start living the debt free homesteading lifestyle. This inspiring story shows women everywhere that they do have the power to change their situation and start living the life they want.

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

How To FindProperty in ThailandHello & Welcome to the Property Club!
My name is PJ 😊
YouTube: www.youtube.com/c/propertyclubasia
Email: pj@property-club.com
WeChat (preferred) ID: propertyclub
WhatsApp: +639171547262
Instagram: @ptyclub
Twitter: @ptyclub
Facebook: @propertyclub
www.property-club.com (under construction)
My friends nicknamed me "The Batman" due to my obsession for working long hours day and night which is fueled by my passion for Property Investment and Finance. I am 32 years old, worked, done business & invested throughout Asia Pacific region including: Australia, Hong Kong, Singapore, China, Philippines, Thailand and Vanuatu.
I have worked full time in Banking Finance for over 15 years now. Started @ 16. My hobby and passion is property, bought my first house at 19 years old. Since that time worked my way up the food chain.
In recent years, I took over as the “Acting Chairman” of a troubled Hedge Fund in Hong Kong and mainland China. Due to corruption in China the Chairman and majority stakeholder lost control. Which believe it or not can be very common for foreign investors who take the punt in the PRC. It took me four years of legal battling and use of my influence in order to turn it around and make it into a success story.
After my China experience, I left to go back to the call center industry in the Philippines. I now work full time here in the Philippines managing the back-office services for one of Australia's largest Mortgage Lenders, of which has won numerous awards including “Non-Bank Lender of the Year”.
Part time I Invest in Property throughout the Asia Pacific region. My goal is make property investing fun and help educate people how to become financially free using property as the vehicle. My intention is to build up the channel to a point where I can start to recruit "Club Members" who are also interested in starting an Property Investment Fund.
CASH IS KING! Power in numbers will enable the "Property Club" members to purchase heavily discounted property assets using an acquisitions model. Anything is possible. Together we can achieve the impossible. It will also enable those with smaller amount of savings for example $10,000 USD to get involved and buy shares in the fund. Making Property Investment accessible to everyone.
Having both worked & done business in the Banking & Finance industry; Funds Management, Mortgage Finance, Real Estate & Securitization. I have the know-how, experience and skills necessary to make the “Property Club” a roaring success.
Yours Sincerely PJ

How To FindProperty in ThailandHello & Welcome to the Property Club!
My name is PJ 😊
YouTube: www.youtube.com/c/propertyclubasia
Email: pj@property-club.com
WeChat (preferred) ID: propertyclub
WhatsApp: +639171547262
Instagram: @ptyclub
Twitter: @ptyclub
Facebook: @propertyclub
www.property-club.com (under construction)
My friends nicknamed me "The Batman" due to my obsession for working long hours day and night which is fueled by my passion for Property Investment and Finance. I am 32 years old, worked, done business & invested throughout Asia Pacific region including: Australia, Hong Kong, Singapore, China, Philippines, Thailand and Vanuatu.
I have worked full time in Banking Finance for over 15 years now. Started @ 16. My hobby and passion is property, bought my first house at 19 years old. Since that time worked my way up the food chain.
In recent years, I took over as the “Acting Chairman” of a troubled Hedge Fund in Hong Kong and mainland China. Due to corruption in China the Chairman and majority stakeholder lost control. Which believe it or not can be very common for foreign investors who take the punt in the PRC. It took me four years of legal battling and use of my influence in order to turn it around and make it into a success story.
After my China experience, I left to go back to the call center industry in the Philippines. I now work full time here in the Philippines managing the back-office services for one of Australia's largest Mortgage Lenders, of which has won numerous awards including “Non-Bank Lender of the Year”.
Part time I Invest in Property throughout the Asia Pacific region. My goal is make property investing fun and help educate people how to become financially free using property as the vehicle. My intention is to build up the channel to a point where I can start to recruit "Club Members" who are also interested in starting an Property Investment Fund.
CASH IS KING! Power in numbers will enable the "Property Club" members to purchase heavily discounted property assets using an acquisitions model. Anything is possible. Together we can achieve the impossible. It will also enable those with smaller amount of savings for example $10,000 USD to get involved and buy shares in the fund. Making Property Investment accessible to everyone.
Having both worked & done business in the Banking & Finance industry; Funds Management, Mortgage Finance, Real Estate & Securitization. I have the know-how, experience and skills necessary to make the “Property Club” a roaring success.
Yours Sincerely PJ

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

Owning land without a Mortgage - Allodial Title

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regional particularities and various historical and cultural backgrounds should be taken into consideration, Solemnly proclaims the following United Nations Declaration on the Rights of Indigenous Peoples as a standard of achievement to be pursued in a spirit of partnership and mutual respect:
Article 21 1. Indigenous peoples have the right, without discrimination, to the improvement of their economic and social conditions, including, inter alia, in the areas of education, employment, vocational training and retraining, housing, sanitation, health and social security. 2. States shall take effective measures and, where appropriate, special measures to ensure continuing improvement of their economic and social conditions. Particular attention shall be paid to the rights and special needs of indigenous elders, women, youth, children and persons with disabilities.
Article 23 Indigenous peoples have the right to determine and develop priorities and strategies for exercising their right to development. In particular, indigenous peoples have the right to be actively involved in developing and determining health, housing and other economic and social programmes affecting them and, as far as possible, to administer such programmes through their own institutions.
Article 25 Indigenous peoples have the right to maintain and strengthen their distinctive spiritual relationship with their traditionally owned or otherwise occupied and used lands, territories, waters and coastal seas and other resources and to uphold their responsibilities to future generations in this regard.
Article 26 1. Indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired. 2. Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess by reason of traditional ownership or other traditional occupation or use, as well as those which they have otherwise acquired. 3. States shall give legal recognition and protection to these lands, territories and resources. Such recognition shall be conducted with due respect to the customs, traditions and land tenure systems of the indigenous peoples concerned.

9:47

One Way Poor People Can Buy Land With No Money

Becky's Guide To Buying Land, get the eBook here: https://goo.gl/E54N13 One way to buy pro...

One Way Poor People Can Buy Land With No Money

Becky's Guide To Buying Land, get the eBook here: https://goo.gl/E54N13 One way to buy property when you have no money…you're poor and you have no credit. And you feel like it’s a hopeless situation. Well I’m here to tell you it’s not. I know because this is exactly what I did, and now I’m mortgage free.
In this homesteading video Becky explains step by step how to buy land if you're poor and have no money and no credit or bad credit.

13:50

Beginners' guide to mortgages - MoneyWeek investment tutorials

A property mortgage is the biggest debt most of us will ever take on. So choosing the righ...

Beginners' guide to mortgages - MoneyWeek investment tutorials

A property mortgage is the biggest debt most of us will ever take on. So choosing the right one is vitally important. Tim Bennett explains the basics of mortgages and highlights the main pitfalls to avoid.
Related links:
- Introduction to house price surveys
http://moneyweek.com/videos/introduction-to-house-price-surveys-10107/
- Why you need an Isa
http://moneyweek.com/videos/why-you-need-an-isa-10616/
- How to cut your tax bill
http://moneyweek.com/videos/how-to-cut-your-tax-bill/
- A beginner's guide to pensions
http://moneyweek.com/videos/a-beginners-guide-to-pensions-60900/
MoneyWeek videos are designed to help you become a better investor, and to give you a better understanding of the markets. They’re aimed at both beginners and more experienced investors.
In all our videos we explain things in an easy-to-understand way. Some videos are about important ideas and concepts. Others are about investment stories and themes in the news. The emphasis is on clarity and brevity. We don’t want to waste your time with a 20-minute video that could easily be so much shorter.
We’ve already made over 200 financial videos and we add more each week. You can see the full archive here at MoneyWeek videos: http://moneyweek.com/video-tutorial/

1:14

BeSmartee.com - The First Digital Mortgage Marketplace

BeSmartee is The First Digital Mortgage Marketplace.
Mortgage customers can now search, ...

BeSmartee.com - The First Digital Mortgage Marketplace

BeSmartee is The FirstDigitalMortgageMarketplace.
Mortgage customers can now search, apply for, and close their mortgage loans entirely online in a fast, easy and transparent way without ever having to call or visit a lenders office if they so choose.
We've empowered mortgage customers with the same tools that lenders use.
Visit BeSmartee at:
www.BeSmartee.com
info@besmartee.com

http://www.ontarioconstructionloans.ca For property owners or developers seeking residential subdivision development loans and mortgages, the first step is matching up the stage in your project with a financing source that fits that stage.
For instance, lenders that will finance land acquisition are not necessarily the same lenders that will provide you with the best construction financing options for vertical construction or site development work.
Regardless of the stage of subdivision development you're at, we likely have commercial property financing solutions via first and second mortgage funding options.
As mortgage brokers, one of the keys we find when working with developer clients is the need to coordinate all their funding requirements through out the life cycle of the project, which can take many years to complete and require several different types of construction and development financing a long the way.
The key to making it all work at times is the tight coordination of cash flow through out which also requires tight alignment of one financing event to another which is best coordinated through one construction mortgage broker versus risking the gaps that can result from a piecemeal type approach.
There are times when funds can be required before you even qualify for the next step of conventional construction financing. In these cases, the equity in the property may be able to be leveraged in different ways to create additional capital which will allow the project to continue on to the next milestone, and next project refinancing opportunity.
Regardless of where you're at with your subdivision development project, or what type and amount of funding you're looking for, I suggest that you give me a call at 416 464 4113 for a free assessment of your construction and development funding options.
All initial assessments are free and are designed to provide you with the most relevant options available to you as quickly as possible.
Even if you're still in the planning stage, we welcome the opportunity to go over your project with you and map out different stages for funding the subdivision development over time.

3:54

I bought land - MORTGAGE FREE or DIE #1

If you'd like to support this project:
https://www.patreon.com/SlowerFuture
Some tools an...

I bought land - MORTGAGE FREE or DIE #1

If you'd like to support this project:
https://www.patreon.com/SlowerFuture
Some tools and things I use can be bought here and it supports Slower:
https://www.amazon.com/shop/slowerfuture
You can check out my AmazonWishlist for the property project here as well:
http://a.co/asVHKMh
Follow @slowerfuture on other socials. (18+)
Have a great day!

21:27

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when ...

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
Becky’s Guide To BUYING LAND: https://beckyshomestead.com/portfolio/beckys-guide-to-buying-land/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
PATREON: https://www.patreon.com/beckyshomestead
More Homesteading Videos by Becky
https://www.youtube.com/c/beckyshomestead
Becky’s Social MediaLinks:
Instagram: http://instagram.com/beckyshomestead
Facebook: http://facebook.com/beckyshomestead
SUPPORT BECKY BY SHOPPING AT:
Official Becky’s Homestead T-Shirts: http://beckyshomestead.com/portfolio/beckys-homestead-t-shirts/
Becky’s Favorite Things: https://beckyshomestead.com/favorites?utm_source=youtube&utm_campaign=beckys%20favorite%20things&utm_medium=organic
Becky’s Guide To Choosing Your LOG CABIN KIT: https://beckyshomestead.com/portfolio/log-cabin-kits-buyers-guide/?utm_source=youtube&utm_campaign=description_links&utm_medium=organic
LINKS TO Becky’s Homestead Youtube Channels:
Becky’s Homestead: https://www.youtube.com/channel/UCMAeSYIjnPm4xqdtxQju71A?sub_confirmation=1
Becky’s Vlogs: https://www.youtube.com/channel/UCYI69mLPLAtRdExRfvgIoqQ?sub_confirmation=1

11:31

2018 USDA Mortgage Requirements

Overview of the latest 2018 USDA Rural Home Loan guidelines and requirements. Income and ...

How to Get a Mortgage in Canada - Mortgage Math #1 with Ratehub.ca

http://www.ratehub.ca - If you want to get a mortgage in Canada, you first need to qualify. True North MortgageBrokerJames Laird explains what lenders look at to qualify homebuyers.
0:31 Factor 1: Credit Score
0:57 Factor 2: Down Payment
2:58 Factor 3: DebtService Ratios
ABOUT MORTGAGE MATH:
Whether you're a first-time homebuyer or a veteran homeowner, learning the ins and outs of the home buying process and the Canadian mortgage market can be a big undertaking. Produced by Ratehub.ca and The Loop by Sympatico.ca, MortgageMath is an all-new video series dedicated to giving viewers all of the information and tools needed to navigate through the world of mortgages and homeownership.
Featuring some of Ratehub.ca's best and brightest partners, you'll not only learn about seven different aspects of the home buying process -- like how to qualify for a mortgage, compare fixed and variable rates, and calculate CMHC insurance -- but also follow along as our experts perform the related calculations in real-time on a whiteboard.
WATCH THE OTHER MORTGAGE MATH VIDEOS:
1. How to Get a Mortgage in Canada - http://youtu.be/_mEp2ucQBy0
2. How to Calculate Debt Service Ratios - http://youtu.be/wz3qSoBGjp0
3. The RRSPHome Buyers' Plan -
http://youtu.be/f5iz26AflGI
4. Fixed and Variable Mortgage Rates - http://youtu.be/2Ru3ejpFS3o
5. How to Calculate CMHC Insurance - http://youtu.be/GncRSX7BUvM
6. How to Calculate Land Transfer Tax - http://youtu.be/xOf2dASV5nw
7. Mortgage Payment Options in Canada - http://youtu.be/auS2HWiWD9w

4:43

How to Pay Off a Mortgage Quickly

http://bestcreditrepaircompanys.com/
Owning a home is a classic American dream. Unfortuna...

How to Pay Off a Mortgage Quickly

http://bestcreditrepaircompanys.com/
Owning a home is a classic American dream. Unfortunately, in today's society consumers have become complacent with 30-year mortgages and paying hundreds of thousands of dollars in interest. We've complied tips from 5 industry experts on why it's important to pay a mortgage off quickly and how to can pay off a mortgage quickly. Follow these steps and you'll be ahead of 98% of the population.

0:44

Mortgage

http://www.lendinguniverse.com you can find Mortgage , and hard money lenders and the b...

Can You Pay Off A Mortgage Early - How To Get Out Of A Mortgage Without Penalty

Sign up for my FREEPassive Income Masterclasshttp://www.mikewolfmastery.co/masterclass if you want to learn my unique system to creating true passive income with real estate, reduce your financial risks, and remove the day-to-day hassles of being a landlord - Can You Pay Off A MortgageEarly - How To Get Out Of A Mortgage WithoutPenalty
Have you ever asked if you can pay off your mortgage early to lower down your IRD?
A friend of mine sent me a message yesterday saying that one of the big Canadian banks is charging him this huge interest rate differential or IRD. Now, for those you don't know what IRD is, basically the bank when you take out a term in Canada usually it ranges from 1 to 5 years, it can be longer, it doesn't matter, the bottom line is that when you're agreeing to borrow the money for certain amounts of time, when you pay it back early the bank doesn't like that unless you happen to have a really low-interest rate in which case they can land it out for more money so what they do to make up for this is, they charge you the difference in interest that they would have made had you kept that mortgage going usually they get theirs two potential ways they charge you when you get out of a mortgage early. One is the IRD which I just spoke about or the pale penalty which is usually three months worth of payments and so they'll do whichever is higher now what's happening with my friend is that they're not just charging him an interest rate differential based on the rate that he's got. He's got a freat rate which is 2.9%, but instead they're charging based on what the posted rate was at the time that he took out the mortgage which was around five and a quarter percent so they're charging him for the next 2 years as if he had borrowed the money at five and a quarter percent, anyway, it's a huge sum of money so I'm gonna teach you some ways to get around this IRD and totally eliminate it and then if that doesn't work I'm going to give you some options how you can reduce it so the first way to get around it is, One, is to do what's called porting the mortgage that means you're going to take that mortgage you're going to move it to another property, it might be a property that you already own or it could be a property that you want to purchase now, I personally, not a really big fan of buying real estate in Canada at the moment, I don't thinkthat's a very great idea so if you don't already own a piece of property I definitely wouldn't go buy another property just to save on the interest rate differential, it's not worth it unless you found a really smoking deal. The number 2 option is your new buyer, if they take over your existing mortgage now they're normally going to have to qualify, this is called an assumption of mortgages, they assume your existing mortgage you will avoid the pale penalty in most cases so if because your interest rate is really low, it may be advantageous for them to take that mortgage over as opposed to getting a new one if they can get an even lower rate through their bank the other thing you could do is potentially offer them a chunk of cash obviously less than what you pay the bank give them a bunch of cash or some cash to make it more attractive for them to take over your mortgage and once again help you save on your interest rate differential so those are a couple of the ways you can totally eliminate this IRD, unfortuantely,that doesn't always work and so some of your options to minimize it are one, most of the banks have a prepayment option where you can pay up to 20% per year, so what you want to do is when it gets to the lawyer's office when the deals are ready to close you want the lawyer to send 2 checks, the first check is going to be for that 20% and sometimes you can do the original principal balance not just the balance today but the original balance so you can have them pay 20% of that original balance and that amount won't be subject to the IRD then he'll send a second check for the rest of the money owing and you'll still have unfortunately a big chunk to pay but it'll be a lot less than it would have been so that's nice, the other option is you can make typically the banks like you to make double payments every month so on top of that you could also make a double payment for as many months as you can until the deal closes,there's people like me that will gladly lend you the money, obviously there would be some interest and what not, but you could potentially pay off make two 20% payments on your mortgage and those are a couple of the ways that you can really reduce that IRD take a little bit bite out of it.
https://www.youtube.com/watch?v=VwkkPfNoDr4
https://www.youtube.com/watch?v=4GonTct2WMk
https://www.youtube.com/user/mikewolfmastery
http://mikewolfmastery.com

Mortgage Free Living: Paying off your mortgage early.

http://beckyshomestead.com/mortgage-free-living
Becky talks about mortgage free living and why it's worth the effort Paying off your mortgage early. When you don't have a mortgage you have more time to do what you want and you have less stress. Your goal should be to lower your bills and your overhead as much as possible so you only have to work 30 hours per week.

6:24

How to Get the Best Mortgage Interest Rate

http://LeahCoss.ca
When you walk into a bank and you ask them to give you something. They...

How to Get the Best Mortgage Interest Rate

http://LeahCoss.ca
When you walk into a bank and you ask them to give you something. They're giving you there products. Each bank has a different product. And these products change on a daily basis these days. Rates change, the products change, the clients that they say yes to, the properties they say yes to, they change constantly. OK.
There is never a time where I can say yes everyday if you go to this lender they will always be the best lender. It does not work like that. It is a supply and demand thing. Things just changing in the market constantly. Competition, supply and that is how banks judge what products are going to be today, what the rates are going to be today.
Now how does this affect you and why can't you always get the best rate? Well, each product is different. I've mentioned this in many videos. Lexus and Toyota do not target the same people like wise banks do not target the same people either.
You just do not know that because they all look like they target everybody. Right? We're looking for you know smiley, happy people in our commercials to come and get their mortgages from us, not the case.
Here are some examples of situations that will effect whether you can get the best rate or not. First of all property. Where is the property? Is it somewhere rural, is it out in the boonies, is it in the city? Well for example, credit unions are great examples of this. Credit Unions will only fund properties that are within a location of one of their branches. Did you know that?
Not a lot of people do. So therefore location matters to them. And if you get a certain property in a certain area, they will not fund it. Likewise, with other banks going into other provinces or things like that.
They also do not just like land; many places do not want land, or places with homes that are deteriorating or things with more than two piping or previous row operations. All these things I've mentioned in other videos before. Each bank targets people differently and they won't do certain properties. So property is one of the things.
Secondly, credit score. What is your credit score. If your credit score is over 680 great. I can probably put with any lender based on that score. Is it under that score 680. well is it between 650 and 680? I can still go to most lenders. What if it is below 650, what if it is below 500? These are different levels, different tiers and again if a certain rate of 5% says you must have a 680B or above and you have less than 680. You now do not qualify for that best rate.
Kind of, catching on how this works? Again, self employed stated income programs not every bank does those. New immigrant programs you know each bank has their own niche. So, you are not always going to get the best rate depending on your situation.
So if you come to me, how it is I am going to get you the best rate? I am not; I am going to get you your best rate based on your situation. So what I will do I will go, "OK, what is the situation, what is the property, oh it is in the city. OK, well these credit unions are out, these lenders do not like it over there or whatever the case maybe."
Now I am left with this pile. From that pile, I am going to go, "Well I am using a stated income product. This person is self employed does not document a lot of income. OK well, that's more than half. Great now I'm left with this pile." Now I will look at this pile of lenders and I say who has the best rate? And from those lenders I place you with one of those.
There is things about that product you need to know about it. First of all, is it a fixed or variable? If it is fixed how long is it fixed? If it is variable how long is the variable? You probably did not know variable comes in terms did you.
Another thing to ask is what is the prepayment options? If you win the lottery there are some mortgages out there mostly the rates that are the lowest. You have no prepayment options. You cannot pay down any principle at any point. There are certain lenders out there that make a lot of money on those programs. OK?
So, prepayment options are something to ask. Is it transferable? How is there penalty calculated? These are things you need to ask because they will be important to you when it comes time to buy a new home or to refinance.

Mortgage loan

A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to raise funds to buy real estate; or by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's property. This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a "Law French" term used by English lawyers in the Middle Ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.
Mortgage can also be described as "a borrower giving consideration in the form of a collateral for a benefit (loan).

Mortgage borrowers can be individuals mortgaging their home or they can be businesses mortgaging commercial property (for example, their own business premises, residential property let to tenants or an investment portfolio). The lender will typically be a financial institution, such as a bank, credit union or building society, depending on the country concerned, and the loan arrangements can be made either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. The lender's rights over the secured property take priority over the borrower's other creditors which means that if the borrower becomes bankrupt or insolvent, the other creditors will only be repaid the debts owed to them from a sale of the secured property if the mortgage lender is repaid in full first.

National Accountability Bureau (NAB) on Thursday claimed to have retrieved 10,000 acres of usurped state land off Superhighway near Karachi worth Rs75 billion, where some major housing schemes were launched in connivance with the revenue officials, Dawn has learnt ... “Approximate value of the lands is around Rs75 billion,” NAB official revealed....

Owning land without a Mortgage - Allodial Title

Taj Tarik Bey - AllodialTitle - Claim of estate - https://www.youtube.com/watch?v=DVDEszYxxg0
Believing that this Declaration is a further important step forward for the recognition, promotion and protection of the rights and freedoms of indigenous peoples and in the development of relevant activities of the United Nations system in this field, Recognizing and reaffirming that indigenous individuals are entitled without discrimination to all human rights recognized in international law, and that indigenous peoples possess collective rights which are indispensable for their existence, well-being and integral development as peoples, Recognizing that the situation of indigenous peoples varies from region to region and from country to country and that the significance of national and regional particularities and various historical and cultural backgrounds should be taken into consideration, Solemnly proclaims the following United Nations Declaration on the Rights of Indigenous Peoples as a standard of achievement to be pursued in a spirit of partnership and mutual respect:
Article 21 1. Indigenous peoples have the right, without discrimination, to the improvement of their economic and social conditions, including, inter alia, in the areas of education, employment, vocational training and retraining, housing, sanitation, health and social security. 2. States shall take effective measures and, where appropriate, special measures to ensure continuing improvement of their economic and social conditions. Particular attention shall be paid to the rights and special needs of indigenous elders, women, youth, children and persons with disabilities.
Article 23 Indigenous peoples have the right to determine and develop priorities and strategies for exercising their right to development. In particular, indigenous peoples have the right to be actively involved in developing and determining health, housing and other economic and social programmes affecting them and, as far as possible, to administer such programmes through their own institutions.
Article 25 Indigenous peoples have the right to maintain and strengthen their distinctive spiritual relationship with their traditionally owned or otherwise occupied and used lands, territories, waters and coastal seas and other resources and to uphold their responsibilities to future generations in this regard.
Article 26 1. Indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired. 2. Indigenous peoples have the right to own, use, develop and control the lands, territories and resources that they possess by reason of traditional ownership or other traditional occupation or use, as well as those which they have otherwise acquired. 3. States shall give legal recognition and protection to these lands, territories and resources. Such recognition shall be conducted with due respect to the customs, traditions and land tenure systems of the indigenous peoples concerned.

21:27

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when ...

Two Ways Poor People Can Get Mortgage Free with No Money

Paying off your mortgage early is possible. You can get mortgage free at a young age when you have the right plan. Today me and Scott my son are talking about becoming mortgage free as young as possible. Making it a goal to aim for. We talk about the different ways we accomplished it ourselves and hopefully give you a few ideas to build on to become mortgage free yourself.
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20:23

How to Get The Best Mortgage Rates & Other Advice For First Timers

Getting the best mortgage rates is possible if you know what you want before you start dea...

How to Get The Best Mortgage Rates & Other Advice For First Timers

Getting the best mortgage rates is possible if you know what you want before you start dealing with the bank. In this video Becky and Scott explain how they got the best mortgage rates for themselves, and how the lowest rate isn’t always the best rate. The best home loans are the ones you can pay off in 10 years. If you follow the advice in this video you’ll be able to pay your mortgage off in 10 years and start living mortgage free. When you apply for a mortgage the banks are ready to take advantage of you, with the tips and tricks you’ll learn in this video you’ll be empowered to get the mortgage you deserve.
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25:15

No Permit Required! How to Buy Land for Your Off Grid Log Cabin or Tiny Home in Canada

Find out how to find and finance a property with no permit requirements and very low taxes...

No Permit Required! How to Buy Land for Your Off Grid Log Cabin or Tiny Home in Canada

Find out how to find and finance a property with no permit requirements and very low taxes in Ontario, Canada. http://myselfreliance.com/no-permit-required-where-to-build-your-tiny-home/
I found my solution in the form of an unorganized township in Ontario, Canada. Here, I am unencumbered by government oversight. With no building permit requirement and very low annual property taxes, I am free to build what I want, where I want and when I want. Without oversight, I am free to build another log cabin. This one is 10 feet by 20 feet - 200 square feet plus a 70 square foot covered porch and a back deck overlooking the stream, which will eventually be screened in.
How to find a property in an unorganized township
1. SearchRealtor.ca in the area that you are interested in.
2. Contact real estate agents in desired locations and asked for a list of unorganized townships in the area.
3. Ask realtor for a list of properties for sale in an unorganized townships. Include already developed properties - sometimes the building is not suitable for habitation but beneficial infrastructure is in place, such as driveway, well and septic.
4. Visit http://www.gisapplication.lrc.gov.on.ca/CLUPA/Index.html?site=CLUPA&viewer=CLUPA&locale=en-US (Crown Land Use PolicyAtlas) to see what public lands are located near your property. Ideally, a large park of public land should be within walking distance.
5. Spend time on Google Earth to get an idea of what surrounds the property - lakes and rivers, landfill sites, other developments, mines, quarries, etc.

50:31

Without Bound - Perspectives on Mobile Living (Documentary)

Without Bound, a documentary featuring perspectives on mobile living from a group of fasci...

Mortgage law

A mortgage is a security interest in real property held by a lender as a security for a debt, usually a loan of money. A mortgage in itself is not a debt, it is the lender's security for a debt. It is a transfer of an interest in land from the owner to the mortgage lender, on the condition that this interest will be returned to the owner when the terms of the mortgage have been satisfied or performed. In other words, the mortgage is a security for the loan that the lender makes to the borrower.
The word is a Law French term meaning "dead pledge," originally only referring to the Welsh mortgage, but in the later Middle Ages was applied to all gages and reinterpreted by folk etymology to mean that the pledge ends either when the obligation is fulfilled or the property is taken through foreclosure.
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20:15

BUILDING MY DREAM HOUSE!!

Today we met up with Vinny (builder) and he showed us the updates to my dream ho! Make sur...

BUILDING MY DREAM HOUSE!!

Today we met up with Vinny (builder) and he showed us the updates to my dream ho! Make sure to leave a like, comment, and turn on my notifications so you don't miss a video! Thank you :)
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BUILDING MY DREAMHOUSE!!
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THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

20:07

Buying a House in the UK | ABI LAVELLE

Hi guys,
Welcome back. I thought I'd share my experience of buying a house in the UK alo...

Buying a House in the UK | ABI LAVELLE

Hi guys,
Welcome back. I thought I'd share my experience of buying a house in the UK along with some top tips for making the process as smooth as possible.
FOLLOW ME:
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All opinions are my own. I am not a professional. This video is not sponsored.
MusicCredit: http://www.bensound.com

1:37:28

How To Adverse Possession Your Own Property, and Endorsement of Mortgage Updae By EEON 2017 10 21

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NET
VIDEO FLAGGED ...

How To Adverse Possession Your Own Property, and Endorsement of Mortgage Updae By EEON 2017 10 21

THIS IS A EEON'S HOUSE PRODUCTION
ONLY FROM THE eeons' CHANNEL ON THE NETVIDEO FLAGGED BY YOUTUBE IT MIGHT BE DELETED SO DOWNLOAD IT ASAP, THE FIRST 10 MINUTES SHOWS YOU HOW---
https://www.youtube.com/watch?v=Q1cc-zRbN2M

23:15

A Tour of Our 5 Acre OFF GRID Property

Support us on Patreon: http://bit.ly/2tdla40
We purchased five acres of land in the Pacif...

A Tour of Our 5 Acre OFF GRID Property

Support us on Patreon: http://bit.ly/2tdla40
We purchased five acres of land in the Pacific Northwest in September of 2015 where we will be living off the grid and developing our off grid property 100% from scratch!
Many of you requested that we make a video giving a tour of our property. We barely squeezed it in because just a day or two after this video, we took an excavator to the flat spot to move stuff around and pave our driveway! Be sure to check out our channel to see what we've been up to!
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Living off the Grid: Month One of Our Off Grid HomesteadDevelopment: http://purelivingforlife.com/month-one-roundup/
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58:52

Not Your Typical Debt Free Living Video:Pay Off Mortgage,Buy With Cash, Leave a Heritage.

Not Your Typical Debt Free Living Video:Pay Off Mortgage,Buy With Cash, Leave a Heritage.

Today’s video from The TexasBoys:
Today TexasDad & TexasMom discuss the more uncommon aspects of "DebtFreeLiving". Join us as we talk about working smart, saving, investing for your future, creating a heritage for your children, caring for loved ones, living on a single family income, the importance of a stay at home mom, how to purchase property with cash, owner financing, using a home equity line of credit to pay off your mortgage( and other debt ) FAST, Bitcoin, preparedness, and many other "nuggets of Texas Wisdom"...some may call "rabbit trails" !haha So getcha a BIG cup of coffee or tea and come hang out with us for an hour while we share what we have learned thus far along the journey. So glad you stopped by, hope you have a blessed day~
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Here is what you will learn by watching this video:
Whenever investors borrow above 80% LVR in order to buy an investment property, investors will have to pay Lenders Mortgage Insurance (LMI) for the privilege of doing so. At the time of writing this, the highest LVR offered in Australia via standard main stream lenders was 95% LVR plus LMI capitalised, equating to 97% LVR which includes the LMI premium.
Essentially, LMI simply refers to an insurance premium that is payable by the borrower, on behalf of the mortgagee, protecting the mortgagee against an event whereby the borrower defaults on their mortgage, dies during the mortgage or becomes unable to make repayments on the mortgage.
In Australia, there are two main LMI insurers used by most of the financial institutions and banks, namely, Genworth Financial and QBE. LMI is generally applicable on any loans over 80% LVR and 60% LVR for Low Doc loans. Having said that, some non-bank lenders, especially those offering non-conforming loans to the credit impaired sector, obtain LMI for every loan, irrespective of the LVR. In the event that a default occurs and the mortgagee (bank or lending institution) has to sell the property, any shortfall, less expenses, is insured by LMI.
LMI premiums vary depending on the loan amount; the higher the LVR the higher the premium charged. In the case of borrowing 81% LVR on a property purchased the LMI premium might be 0.3% of the total loan amount, compared to 95% LVR where the LMI premium may be as high as 3.5% of the total loan amount. So, to put that into perspective, on a $600,000 purchase, at 81% LVR the premium would be $1,458 ($600,000 @ 81% LVR = $486,000 x 0.3% = $1,458), on a 95% LVR the premium could be as hight as $19,950 ($600,000 @ 95% LVR = $570,000 x 3.5% = $19,950).
The question often arises, is it worth paying Lenders Mortgage Insurance premiums and borrowing above 80% LVR or is it better to structure a purchase with a 20% deposit and avoid LMI?
Well, it depends on your overall investment strategy, chosen time horizon for investing, available resources and equity or cash savings at hand when making this decision.

National Accountability Bureau (NAB) on Thursday claimed to have retrieved 10,000 acres of usurped state land off Superhighway near Karachi worth Rs75 billion, where some major housing schemes were launched in connivance with the revenue officials, Dawn has learnt ... “Approximate value of the lands is around Rs75 billion,” NAB official revealed....

The first project attributed to the 32-year-old Mount GraceLandConservationTrust was the preservation of a tract of land that had been slated to become 200 house lots. But that 365-acre Lawton TreeFarm in Athol is now the Lawton State Forest.And that was just the start. Since the nonprofit was... ....

Land came up from within the sea, dramatically rising up from the water, changing the entire planet's geography, climate, and increasing chances of life in all its forms ... Before this rapid emergence of land, the planet's mantle was too soft to support mountain ranges and all the geographic features seen today, a new study has found, reports R&D ... Also, as new land clashed with each other, mountains, valleys, and plateaus came to be....

Chamorro LandTrust applicant Trini Torres testifies during an oversight hearing at the Guam CongressBuilding on May 22, 2018 ... The Chamorro Land Trust Commission will face the Legislature Thursday to address the ongoing issues surrounding the program ... Many of those who first stood in line in December 1995 are still waiting for their leases, although the Land Trust was supposed to be a first-come, first-served program....